buyrent - Home purchase model Purchase price Downpayment...

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Unformatted text preview: Home purchase model Purchase price Downpayment Interest rate Principal amortization (years) Property tax rate Annual maintainance Housing association dues (annual) Annual insurance Assumed annual appreciation Assumed marginal income tax rate General inflation Monthly mortage payment Cost of renting similar home Assumed rental price inflation Assumed annual (after tax) return on cash Month 750000 150000 5% 30 1.25% 1000 1800 1500 1% 25% 2% 3203.73 Assuming interest compounds monthly 2900 1% 2% 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 14 0 14 1 14 2 14 3 14 4 14 5 14 6 14 7 14 8 14 9 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 24 0 24 1 24 2 24 3 24 4 24 5 24 6 24 7 24 8 24 9 250 251 252 253 254 750,000 600,000 1 50,000 750,625 599,296 1 51,329 751,251 598,590 1 52,661 751,877 597,880 1 53,997 752,503 597,167 1 55,336 753,130 596,452 1 56,678 753,758 595,733 1 58,024 754,386 595,012 1 59,374 755,015 594,287 1 60,727 755,644 593,560 1 62,084 756,273 592,829 1 63,4 4 4 756,904 592,096 1 64 ,808 757,534 591,359 1 66,175 758,166 590,619 1 67,54 7 758,798 589,876 1 68,921 759,430 589,131 1 70,299 760,063 588,381 1 71,681 760,696 587,629 1 73,067 761,330 586,874 1 74 ,4 56 761,964 586,116 1 75,84 9 762,599 585,354 1 77,24 5 763,235 584,589 1 78,64 6 763,871 583,821 1 80,050 764,508 583,050 1 81,4 57 765,145 582,276 1 82,869 765,782 581,498 1 84 ,284 766,420 580,717 1 85,703 767,059 579,933 1 87,126 767,698 579,146 1 88,552 768,338 578,355 1 89,983 768,978 577,562 1 91,4 17 769,619 576,764 1 92,855 770,260 575,964 1 94 ,297 770,902 575,160 1 95,74 3 771,545 574,353 1 97,192 772,188 573,542 1 98,64 6 772,831 572,728 2 00,103 773,475 571,911 2 01,565 774,120 571,090 2 03,030 774,765 570,266 2 04 ,4 99 775,411 569,438 2 05,972 776,057 568,607 2 07,4 50 776,703 567,773 2 08,931 777,351 566,934 2 10,4 16 777,999 566,093 2 11,906 778,647 565,248 2 13,399 779,296 564,399 2 14 ,896 779,945 563,547 2 16,398 780,595 562,692 2 17,903 781,246 561,833 2 19,4 13 781,897 560,970 2 20,927 782,548 560,103 2 22,4 4 5 783,200 559,233 2 23,967 783,853 558,360 2 25,4 93 784,506 557,483 2 27,024 785,160 556,602 2 28,558 785,814 555,717 2 30,097 786,469 554,829 2 31,64 0 787,124 553,937 2 33,187 787,780 553,041 2 34 ,739 788,437 552,142 2 36,295 789,094 551,239 2 37,855 789,752 550,332 2 39,4 20 790,410 549,421 2 4 0,988 791,068 548,507 2 4 2,562 791,728 547,588 2 4 4 ,139 792,387 546,666 2 4 5,721 793,048 545,740 2 4 7,307 793,709 544,811 2 4 8,898 794,370 543,877 2 50,4 93 795,032 542,939 2 52,093 795,694 541,998 2 53,697 796,358 541,052 2 55,305 797,021 540,103 2 56,918 797,685 539,150 2 58,536 798,350 538,193 2 60,158 799,015 537,231 2 61,784 799,681 536,266 2 63,4 15 800,348 535,297 2 65,051 801,015 534,323 2 66,691 801,682 533,346 2 68,336 802,350 532,365 2 69,986 803,019 531,379 2 71,64 0 803,688 530,389 2 73,299 804,358 529,396 2 74 ,962 805,028 528,398 2 76,630 805,699 527,396 2 78,303 806,370 526,389 2 79,981 807,042 525,379 2 81,663 807,715 524,364 2 83,351 808,388 523,345 2 85,04 3 809,062 522,322 2 86,739 809,736 521,295 2 88,4 4 1 810,411 520,263 2 90,14 7 811,086 519,227 2 91,859 811,762 518,187 2 93,575 812,438 517,142 2 95,296 813,115 516,093 2 97,022 813,793 515,040 2 98,753 814,471 513,982 300,4 89 815,150 512,920 302,230 815,829 511,854 303,975 816,509 510,783 305,726 817,189 509,707 307,4 82 817,870 508,627 309,24 3 818,552 507,543 311,009 819,234 506,454 312,780 819,917 505,360 314 ,556 820,600 504,262 316,338 821,284 503,159 318,124 821,968 502,052 319,916 822,653 500,940 321,713 823,339 4 99,824 323,515 824,025 4 98,703 325,322 824,712 4 97,577 327,135 825,399 4 96,447 328,952 826,087 4 95,311 330,775 826,775 4 94,171 332,604 827,464 4 93,027 334 ,4 37 828,154 4 91,877 336,276 828,844 4 90,723 338,121 829,534 4 89,564 339,970 830,226 4 88,400 34 1,826 830,918 4 87,231 34 3,686 831,610 4 86,058 34 5,552 832,303 4 84,879 34 7,4 24 832,997 4 83,696 34 9,301 833,691 4 82,507 351,183 834,385 4 81,314 353,071 835,081 4 80,116 354 ,965 835,777 4 78,913 356,864 836,473 4 77,704 358,769 837,170 4 76,491 360,679 837,868 4 75,273 362,595 838,566 4 74,049 364 ,517 839,265 4 72,821 366,4 4 4 839,964 4 71,587 368,377 840,664 4 70,348 370,316 841,365 4 69,104 372,260 842,066 4 67,855 374 ,211 842,768 4 66,601 376,167 843,470 4 65,341 378,129 844,173 4 64,077 380,096 844,876 4 62,807 382,070 845,580 4 61,531 384 ,04 9 846,285 4 60,250 386,035 846,990 4 58,964 388,026 847,696 4 57,673 390,023 848,403 4 56,376 392,026 849,110 4 55,074 394 ,035 849,817 4 53,767 396,051 850,525 4 52,454 398,072 851,234 4 51,135 4 00,099 851,943 4 49,811 4 02,132 852,653 4 48,482 4 04 ,172 853,364 4 47,146 4 06,217 854,075 4 45,806 4 08,269 854,787 4 44,460 4 10,327 855,499 4 43,108 4 12,391 856,212 4 41,750 4 14 ,4 62 856,926 4 40,387 4 16,538 857,640 4 39,018 4 18,621 858,354 4 37,644 4 20,710 859,070 4 36,264 4 22,806 859,786 4 34,878 4 24 ,908 860,502 4 33,486 4 27,016 861,219 4 32,089 4 29,131 861,937 4 30,685 4 31,252 862,655 4 29,276 4 33,379 863,374 4 27,861 4 35,513 864,093 4 26,440 4 37,654 864,813 4 25,013 4 39,800 865,534 4 23,580 4 4 1,954 866,255 4 22,141 4 4 4 ,114 866,977 4 20,697 4 4 6,281 867,700 4 19,246 4 4 8,4 54 868,423 4 17,789 4 50,634 869,147 4 16,326 4 52,821 869,871 4 14,857 4 55,014 870,596 4 13,382 4 57,214 871,321 4 11,900 4 59,4 21 872,047 4 10,413 4 61,634 872,774 4 08,919 4 63,855 873,501 4 07,419 4 66,082 874,229 4 05,913 4 68,316 874,958 4 04,401 4 70,557 875,687 4 02,882 4 72,805 876,417 4 01,357 4 75,060 877,147 399,826 4 77,321 877,878 398,288 4 79,590 878,610 396,744 4 81,866 879,342 395,193 4 84 ,14 9 880,075 393,636 4 86,4 39 880,808 392,072 4 88,736 881,542 390,502 4 91,04 0 882,277 388,926 4 93,351 883,012 387,342 4 95,669 883,748 385,752 4 97,995 884,484 384,156 5 00,328 885,221 382,553 5 02,668 885,959 380,943 5 05,016 886,697 379,327 5 07,370 887,436 377,704 5 09,732 888,176 376,074 5 12,102 888,916 374,437 5 14 ,4 79 889,656 372,793 5 16,863 890,398 371,143 5 19,255 891,140 369,486 5 21,654 891,882 367,821 5 24 ,061 892,626 366,150 5 26,4 76 893,370 364,472 5 28,897 894,114 362,787 5 31,327 894,859 361,095 5 33,764 895,605 359,396 5 36,209 896,351 357,689 5 38,662 897,098 355,976 5 4 1,122 897,846 354,256 5 4 3,590 898,594 352,528 5 4 6,066 899,343 350,793 5 4 8,550 900,092 349,051 5 51,04 1 900,842 347,302 5 53,54 1 901,593 345,545 5 56,04 8 902,344 343,781 5 58,563 903,096 342,010 5 61,087 903,849 340,231 5 63,618 904,602 338,445 5 66,157 905,356 336,651 5 68,705 906,110 334,850 5 71,260 906,865 333,042 5 73,824 907,621 331,226 5 76,395 908,378 329,402 5 78,975 909,134 327,571 5 81,564 909,892 325,732 5 84 ,160 910,650 323,886 5 86,765 911,409 322,031 5 89,378 912,169 320,169 5 91,999 912,929 318,300 5 94 ,629 913,690 316,422 5 97,267 914,451 314,537 5 99,914 915,213 312,644 6 02,569 915,976 310,743 6 05,233 916,739 308,834 6 07,905 917,503 306,917 6 10,586 918,268 304,992 6 13,276 919,033 303,059 6 15,974 919,799 301,118 6 18,681 920,565 299,169 6 21,396 921,332 297,212 6 24 ,121 922,100 295,246 6 26,854 922,869 293,273 6 29,596 923,638 291,291 6 32,34 7 924,407 289,301 6 35,106 925,178 287,303 6 37,875 925,949 285,296 6 4 0,653 926,720 283,281 6 4 3,4 39 2,500 3,204 704 2,497 3,204 707 2,494 3,204 710 2,491 3,204 713 2,488 3,204 716 2,485 3,204 719 2,482 3,204 722 2,479 3,204 725 2,476 3,204 728 2,473 3,204 731 2,470 3,204 734 2,467 3,204 737 2,464 3,204 740 2,461 3,204 743 2,458 3,204 746 2,455 3,204 749 2,452 3,204 752 2,448 3,204 755 2,445 3,204 758 2,442 3,204 762 2,439 3,204 765 2,436 3,204 768 2,433 3,204 771 2,429 3,204 774 2,426 3,204 778 2,423 3,204 781 2,420 3,204 784 2,416 3,204 787 2,413 3,204 791 2,410 3,204 794 2,407 3,204 797 2,403 3,204 801 2,400 3,204 804 2,396 3,204 807 2,393 3,204 811 2,390 3,204 814 2,386 3,204 817 2,383 3,204 821 2,380 3,204 824 2,376 3,204 828 2,373 3,204 831 2,369 3,204 835 2,366 3,204 838 2,362 3,204 842 2,359 3,204 845 2,355 3,204 849 2,352 3,204 852 2,348 3,204 856 2,345 3,204 859 2,341 3,204 863 2,337 3,204 866 2,334 3,204 870 2,330 3,204 874 2,326 3,204 877 2,323 3,204 881 2,319 3,204 885 2,315 3,204 888 2,312 3,204 892 2,308 3,204 896 2,304 3,204 899 2,301 3,204 903 2,297 3,204 907 2,293 3,204 911 2,289 3,204 914 2,285 3,204 918 2,282 3,204 922 2,278 3,204 926 2,274 3,204 930 2,270 3,204 934 2,266 3,204 938 2,262 3,204 941 2,258 3,204 945 2,254 3,204 949 2,250 3,204 953 2,246 3,204 957 2,242 3,204 961 2,238 3,204 965 2,234 3,204 969 2,230 3,204 973 2,226 3,204 977 2,222 3,204 981 2,218 3,204 986 2,214 3,204 990 2,210 3,204 994 2,206 3,204 998 2,202 3,204 1,002 2,197 3,204 1,006 2,193 3,204 1,010 2,189 3,204 1,015 2,185 3,204 1,019 2,181 3,204 1,023 2,176 3,204 1,027 2,172 3,204 1,032 2,168 3,204 1,036 2,163 3,204 1,040 2,159 3,204 1,045 2,155 3,204 1,049 2,150 3,204 1,053 2,146 3,204 1,058 2,142 3,204 1,062 2,137 3,204 1,067 2,133 3,204 1,071 2,128 3,204 1,075 2,124 3,204 1,080 2,119 3,204 1,084 2,115 3,204 1,089 2,110 3,204 1,094 2,106 3,204 1,098 2,101 3,204 1,103 2,096 3,204 1,107 2,092 3,204 1,112 2,087 3,204 1,116 2,083 3,204 1,121 2,078 3,204 1,126 2,073 3,204 1,130 2,069 3,204 1,135 2,064 3,204 1,140 2,059 3,204 1,145 2,054 3,204 1,149 2,049 3,204 1,154 2,045 3,204 1,159 2,040 3,204 1,164 2,035 3,204 1,169 2,030 3,204 1,174 2,025 3,204 1,178 2,020 3,204 1,183 2,015 3,204 1,188 2,010 3,204 1,193 2,005 3,204 1,198 2,000 3,204 1,203 1,995 3,204 1,208 1,990 3,204 1,213 1,985 3,204 1,218 1,980 3,204 1,223 1,975 3,204 1,229 1,970 3,204 1,234 1,965 3,204 1,239 1,960 3,204 1,244 1,955 3,204 1,249 1,949 3,204 1,254 1,944 3,204 1,260 1,939 3,204 1,265 1,934 3,204 1,270 1,928 3,204 1,275 1,923 3,204 1,281 1,918 3,204 1,286 1,912 3,204 1,291 1,907 3,204 1,297 1,902 3,204 1,302 1,896 3,204 1,308 1,891 3,204 1,313 1,885 3,204 1,319 1,880 3,204 1,324 1,874 3,204 1,330 1,869 3,204 1,335 1,863 3,204 1,341 1,858 3,204 1,346 1,852 3,204 1,352 1,846 3,204 1,357 1,841 3,204 1,363 1,835 3,204 1,369 1,829 3,204 1,374 1,824 3,204 1,380 1,818 3,204 1,386 1,812 3,204 1,392 1,806 3,204 1,398 1,800 3,204 1,403 1,795 3,204 1,409 1,789 3,204 1,415 1,783 3,204 1,421 1,777 3,204 1,427 1,771 3,204 1,433 1,765 3,204 1,439 1,759 3,204 1,445 1,753 3,204 1,451 1,747 3,204 1,457 1,741 3,204 1,463 1,735 3,204 1,469 1,729 3,204 1,475 1,722 3,204 1,481 1,716 3,204 1,487 1,710 3,204 1,494 1,704 3,204 1,500 1,698 3,204 1,506 1,691 3,204 1,512 1,685 3,204 1,519 1,679 3,204 1,525 1,672 3,204 1,531 1,666 3,204 1,538 1,660 3,204 1,544 1,653 3,204 1,551 1,647 3,204 1,557 1,640 3,204 1,564 1,634 3,204 1,570 1,627 3,204 1,577 1,621 3,204 1,583 1,614 3,204 1,590 1,607 3,204 1,596 1,601 3,204 1,603 1,594 3,204 1,610 1,587 3,204 1,616 1,581 3,204 1,623 1,574 3,204 1,630 1,567 3,204 1,637 1,560 3,204 1,644 1,553 3,204 1,650 1,546 3,204 1,657 1,540 3,204 1,664 1,533 3,204 1,671 1,526 3,204 1,678 1,519 3,204 1,685 1,512 3,204 1,692 1,505 3,204 1,699 1,497 3,204 1,706 1,490 3,204 1,713 1,483 3,204 1,720 1,476 3,204 1,728 1,469 3,204 1,735 1,462 3,204 1,742 1,454 3,204 1,749 1,447 3,204 1,757 1,440 3,204 1,764 1,432 3,204 1,771 1,425 3,204 1,779 1,418 3,204 1,786 1,410 3,204 1,794 1,403 3,204 1,801 1,395 3,204 1,809 1,388 3,204 1,816 1,380 3,204 1,824 1,373 3,204 1,831 1,365 3,204 1,839 1,357 3,204 1,847 1,350 3,204 1,854 1,342 3,204 1,862 1,334 3,204 1,870 1,326 3,204 1,877 1,318 3,204 1,885 1,311 3,204 1,893 1,303 3,204 1,901 1,295 3,204 1,909 1,287 3,204 1,917 1,279 3,204 1,925 1,271 3,204 1,933 1,263 3,204 1,941 1,255 3,204 1,949 1,247 3,204 1,957 1,238 3,204 1,965 1,230 3,204 1,974 1,222 3,204 1,982 1,214 3,204 1,990 1,205 3,204 1,998 1,197 3,204 2,007 1,189 3,204 2,015 125 150 83 781 820 3,523 125 150 83 782 820 3,525 125 151 84 783 819 3,527 126 151 84 783 819 3,528 126 151 84 784 818 3,530 126 151 84 785 817 3,532 126 152 84 785 817 3,534 126 152 84 786 816 3,536 127 152 84 786 816 3,538 127 152 85 787 815 3,540 127 153 85 788 814 3,541 127 153 85 788 814 3,543 128 153 85 789 813 3,545 128 153 85 790 813 3,547 128 154 85 790 812 3,549 128 154 85 791 811 3,551 128 154 86 792 811 3,553 129 154 86 792 810 3,555 129 155 86 793 810 3,556 129 155 86 794 809 3,558 129 155 86 794 808 3,560 129 155 86 795 808 3,562 130 156 86 796 807 3,564 130 156 87 796 806 3,566 130 156 87 797 806 3,568 130 156 87 798 805 3,570 131 157 87 798 805 3,572 131 157 87 799 804 3,574 131 157 87 800 803 3,576 131 157 87 800 803 3,578 131 158 88 801 802 3,580 132 158 88 802 801 3,582 132 158 88 802 801 3,583 132 158 88 803 800 3,585 132 159 88 804 799 3,587 133 159 88 804 799 3,589 133 159 88 805 798 3,591 133 160 89 806 797 3,593 133 160 89 806 796 3,595 133 160 89 807 796 3,597 134 160 89 808 795 3,599 134 161 89 808 794 3,601 134 161 89 809 794 3,603 134 161 90 810 793 3,605 135 161 90 810 792 3,607 135 162 90 811 792 3,609 135 162 90 812 791 3,612 135 162 90 812 790 3,614 135 162 90 813 789 3,616 136 163 90 814 789 3,618 136 163 91 814 788 3,620 136 163 91 815 787 3,622 136 164 91 816 786 3,624 137 164 91 817 786 3,626 137 164 91 817 785 3,628 137 164 91 818 784 3,630 137 165 91 819 784 3,632 137 165 92 819 783 3,634 138 165 92 820 782 3,636 138 165 92 821 781 3,638 138 166 92 821 780 3,641 138 166 92 822 780 3,643 139 166 92 823 779 3,645 139 167 93 823 778 3,647 139 167 93 824 777 3,649 139 167 93 825 777 3,651 140 167 93 825 776 3,653 140 168 93 826 775 3,655 140 168 93 827 774 3,658 140 168 93 827 773 3,660 140 169 94 828 773 3,662 141 169 94 829 772 3,664 141 169 94 830 771 3,666 141 169 94 830 770 3,668 141 170 94 831 769 3,671 142 170 94 832 769 3,673 142 170 95 832 768 3,675 142 171 95 833 767 3,677 142 171 95 834 766 3,679 143 171 95 834 765 3,682 143 171 95 835 764 3,684 143 172 95 836 763 3,686 143 172 96 836 763 3,688 144 172 96 837 762 3,691 144 173 96 838 761 3,693 144 173 96 839 760 3,695 144 173 96 839 759 3,697 144 173 96 840 758 3,700 145 174 96 841 757 3,702 145 174 97 841 757 3,704 145 174 97 842 756 3,706 145 175 97 843 755 3,709 146 175 97 843 754 3,711 146 175 97 844 753 3,713 146 175 97 845 752 3,716 146 176 98 846 751 3,718 147 176 98 846 750 3,720 147 176 98 847 749 3,723 147 177 98 848 748 3,725 147 177 98 848 748 3,727 148 177 98 849 747 3,730 148 177 99 850 746 3,732 148 178 99 851 745 3,734 148 178 99 851 744 3,737 149 178 99 852 743 3,739 149 179 99 853 742 3,741 149 179 99 853 741 3,744 149 179 100 854 740 3,746 150 180 100 855 739 3,748 150 180 100 856 738 3,751 150 180 100 856 737 3,753 150 180 100 857 736 3,756 151 181 100 858 735 3,758 151 181 101 858 734 3,761 151 181 101 859 733 3,763 151 182 101 860 732 3,765 152 182 101 861 731 3,768 152 182 101 861 730 3,770 152 183 101 862 729 3,773 152 183 102 863 728 3,775 153 183 102 863 727 3,778 153 183 102 864 726 3,780 153 184 102 865 725 3,783 153 184 102 866 724 3,785 154 184 102 866 723 3,788 154 185 103 867 722 3,790 154 185 103 868 721 3,793 154 185 103 868 720 3,795 155 186 103 869 719 3,798 155 186 103 870 718 3,800 155 186 103 871 717 3,803 155 187 104 871 715 3,805 156 187 104 872 714 3,808 156 187 104 873 713 3,810 156 188 104 874 712 3,813 157 188 104 874 711 3,816 157 188 105 875 710 3,818 157 188 105 876 709 3,821 157 189 105 876 708 3,823 158 189 105 877 707 3,826 158 189 105 878 706 3,829 158 190 105 879 704 3,831 158 190 106 879 703 3,834 159 190 106 880 702 3,836 159 191 106 881 701 3,839 159 191 106 882 700 3,842 159 191 106 882 699 3,844 160 192 106 883 697 3,847 160 192 107 884 696 3,850 160 192 107 884 695 3,852 160 193 107 885 694 3,855 161 193 107 886 693 3,858 161 193 107 887 692 3,860 161 194 108 887 690 3,863 162 194 108 888 689 3,866 162 194 108 889 688 3,869 162 194 108 890 687 3,871 162 195 108 890 686 3,874 163 195 108 891 684 3,877 163 195 109 892 683 3,879 163 196 109 893 682 3,882 163 196 109 893 681 3,885 164 196 109 894 679 3,888 164 197 109 895 678 3,891 164 197 110 896 677 3,893 165 197 110 896 676 3,896 165 198 110 897 674 3,899 165 198 110 898 673 3,902 165 198 110 899 672 3,905 166 199 110 899 671 3,907 166 199 111 900 669 3,910 166 199 111 901 668 3,913 166 200 111 902 667 3,916 167 200 111 902 665 3,919 167 200 111 903 664 3,922 167 201 112 904 663 3,924 168 201 112 905 661 3,927 168 201 112 905 660 3,930 168 202 112 906 659 3,933 168 202 112 907 657 3,936 169 202 112 908 656 3,939 169 203 113 908 655 3,942 169 203 113 909 653 3,945 170 203 113 910 652 3,948 170 204 113 911 650 3,951 170 204 113 911 649 3,954 170 204 114 912 648 3,957 171 205 114 913 646 3,960 171 205 114 914 645 3,963 171 205 114 914 643 3,966 172 206 114 915 642 3,969 172 206 115 916 641 3,972 172 207 115 917 639 3,975 172 207 115 918 638 3,978 173 207 115 918 636 3,981 173 208 115 919 635 3,984 173 208 115 920 633 3,987 174 208 116 921 632 3,990 174 209 116 921 630 3,993 174 209 116 922 629 3,996 174 209 116 923 628 3,999 175 210 116 924 626 4 ,002 175 210 117 924 625 4 ,005 175 210 117 925 623 4 ,008 176 211 117 926 622 4 ,011 176 211 117 927 620 4 ,015 176 211 117 927 618 4 ,018 176 212 118 928 617 4 ,021 177 212 118 929 615 4 ,024 177 212 118 930 614 4 ,027 177 213 118 931 612 4 ,030 178 213 118 931 611 4 ,034 178 214 119 932 609 4 ,037 178 214 119 933 608 4 ,040 179 214 119 934 606 4 ,043 179 215 119 934 604 4 ,046 179 215 119 935 603 4 ,050 179 215 120 936 601 4 ,053 180 216 120 937 600 4 ,056 180 216 120 938 598 4 ,059 180 216 120 938 596 4 ,063 181 217 120 939 595 4 ,066 181 217 121 940 593 4 ,069 181 217 121 941 591 4 ,072 182 218 121 942 590 4 ,076 182 218 121 942 588 4 ,079 182 219 121 943 586 4 ,082 182 219 122 944 585 4 ,086 183 219 122 945 583 4 ,089 183 220 122 945 581 4 ,092 183 220 122 946 580 4 ,096 184 220 122 947 578 4 ,099 184 221 123 948 576 4 ,103 184 221 123 949 575 4 ,106 185 221 123 949 573 4 ,109 185 222 123 950 571 4 ,113 185 222 123 951 569 4 ,116 185 223 124 952 568 4 ,120 186 223 124 953 566 4 ,123 186 223 124 953 564 4 ,127 186 224 124 954 562 4 ,130 187 224 124 955 560 4 ,134 187 224 125 956 559 4 ,137 187 225 125 957 557 4 ,140 188 225 125 957 555 4 ,144 188 226 125 958 553 4 ,148 188 226 126 959 551 4 ,151 189 226 126 960 550 4 ,155 189 227 126 961 548 4 ,158 189 227 126 961 546 4 ,162 190 227 126 962 544 4 ,165 190 228 127 963 542 4 ,169 190 228 127 964 540 4 ,172 190 229 127 965 538 4 ,176 Buying scenario Home Value Debt E quity in home Interest on debt Mortage payment Paid principal Insurance payment Housing association dues Maintenance Property tax Income tax savings from interest deduction T otal cash outflow in buying scenario Renting Scenario Cashflow that could be spent on home-purchase/expesnes Rent 2,900 S avings when renting 1 50,000 Home value after 10 years 828,844 Debt after 10 years 4 90,723 Home Equity after 10 years 338,121 T ransaction costs of buying and selling in year 10 6 2,163 Net cash if home sold in 10 years (assuming no capital gains) 2 75,957 S avings after 10 years if renting 2 61,807 P resent value benefit of owning vs. renting for 10 1 1,608 years 3,523 2,902 3,525 2,905 3,527 2,907 3,528 2,910 3,530 2,912 3,532 2,915 3,534 2,917 3,536 2,919 3,538 2,922 3,540 2,924 3,541 2,927 3,543 2,929 3,545 2,932 3,547 2,934 3,549 2,936 3,551 2,939 3,553 2,941 3,555 2,944 3,556 2,946 3,558 2,949 3,560 2,951 3,562 2,954 3,564 2,956 3,566 2,959 3,568 2,961 3,570 2,963 3,572 2,966 3,574 2,968 3,576 2,971 3,578 2,973 3,580 2,976 3,582 2,978 3,583 2,981 3,585 2,983 3,587 2,986 3,589 2,988 3,591 2,991 3,593 2,993 3,595 2,996 3,597 2,998 3,599 3,001 3,601 3,003 3,603 3,006 3,605 3,008 3,607 3,011 3,609 3,013 3,612 3,016 3,614 3,018 3,616 3,021 3,618 3,023 3,620 3,026 3,622 3,028 3,624 3,031 3,626 3,033 3,628 3,036 3,630 3,038 3,632 3,041 3,634 3,044 3,636 3,046 3,638 3,049 3,641 3,051 3,643 3,054 3,645 3,056 3,647 3,059 3,649 3,061 3,651 3,064 3,653 3,066 3,655 3,069 3,658 3,072 3,660 3,074 3,662 3,077 3,664 3,079 3,666 3,082 3,668 3,084 3,671 3,087 3,673 3,090 3,675 3,092 3,677 3,095 3,679 3,097 3,682 3,100 3,684 3,102 3,686 3,105 3,688 3,108 3,691 3,110 3,693 3,113 3,695 3,115 3,697 3,118 3,700 3,121 3,702 3,123 3,704 3,126 3,706 3,128 3,709 3,131 3,711 3,134 3,713 3,136 3,716 3,139 3,718 3,141 3,720 3,144 3,723 3,147 3,725 3,149 3,727 3,152 3,730 3,155 3,732 3,157 3,734 3,160 3,737 3,162 3,739 3,165 3,741 3,168 3,744 3,170 3,746 3,173 3,748 3,176 3,751 3,178 3,753 3,181 3,756 3,184 3,758 3,186 3,761 3,189 3,763 3,192 3,765 3,194 3,768 3,197 3,770 3,200 3,773 3,202 3,775 3,205 3,778 3,208 3,780 3,210 3,783 3,213 3,785 3,216 3,788 3,218 3,790 3,221 3,793 3,224 3,795 3,226 3,798 3,229 3,800 3,232 3,803 3,234 3,805 3,237 3,808 3,240 3,810 3,242 3,813 3,245 3,816 3,248 3,818 3,251 3,821 3,253 3,823 3,256 3,826 3,259 3,829 3,261 3,831 3,264 3,834 3,267 3,836 3,270 3,839 3,272 3,842 3,275 3,844 3,278 3,847 3,280 3,850 3,283 3,852 3,286 3,855 3,289 3,858 3,291 3,860 3,294 3,863 3,297 3,866 3,300 3,869 3,302 3,871 3,305 3,874 3,308 3,877 3,311 3,879 3,313 3,882 3,316 3,885 3,319 3,888 3,322 3,891 3,325 3,893 3,327 3,896 3,330 3,899 3,333 3,902 3,336 3,905 3,338 3,907 3,341 3,910 3,344 3,913 3,347 3,916 3,350 3,919 3,352 3,922 3,355 3,924 3,358 3,927 3,361 3,930 3,364 3,933 3,366 3,936 3,369 3,939 3,372 3,942 3,375 3,945 3,378 3,948 3,380 3,951 3,383 3,954 3,386 3,957 3,389 3,960 3,392 3,963 3,394 3,966 3,397 3,969 3,400 3,972 3,403 3,975 3,406 3,978 3,409 3,981 3,411 3,984 3,414 3,987 3,417 3,990 3,420 3,993 3,423 3,996 3,426 3,999 3,429 4 ,002 3,431 4 ,005 3,434 4 ,008 3,437 4 ,011 3,440 4 ,015 3,443 4 ,018 3,446 4 ,021 3,449 4 ,024 3,451 4 ,027 3,454 4 ,030 3,457 4 ,034 3,460 4 ,037 3,463 4 ,040 3,466 4 ,043 3,469 4 ,046 3,472 4 ,050 3,475 4 ,053 3,477 4 ,056 3,480 4 ,059 3,483 4 ,063 3,486 4 ,066 3,489 4 ,069 3,492 4 ,072 3,495 4 ,076 3,498 4 ,079 3,501 4 ,082 3,504 4 ,086 3,507 4 ,089 3,509 4 ,092 3,512 4 ,096 3,515 4 ,099 3,518 4 ,103 3,521 4 ,106 3,524 4 ,109 3,527 4 ,113 3,530 4 ,116 3,533 4 ,120 3,536 4 ,123 3,539 4 ,127 3,542 4 ,130 3,545 4 ,134 3,548 4 ,137 3,551 4 ,140 3,554 4 ,144 3,557 4 ,148 3,560 4 ,151 3,562 4 ,155 3,565 4 ,158 3,568 4 ,162 3,571 4 ,165 3,574 4 ,169 3,577 4 ,172 3,580 4 ,176 3,583 1 50,871 1 51,74 2 1 52,614 1 53,4 87 1 54 ,361 1 55,236 1 56,112 1 56,989 1 57,866 1 58,74 5 1 59,624 1 60,504 1 61,385 1 62,267 1 63,150 1 64 ,034 1 64 ,918 1 65,804 1 66,690 1 67,578 1 68,4 66 1 69,356 1 70,24 6 1 71,137 1 72,029 1 72,922 1 73,816 1 74 ,711 1 75,607 1 76,504 1 77,4 02 1 78,301 1 79,200 1 80,101 1 81,003 1 81,906 1 82,810 1 83,714 1 84 ,620 1 85,527 1 86,4 35 1 87,34 4 1 88,254 1 89,165 1 90,076 1 90,989 1 91,903 1 92,819 1 93,735 1 94 ,652 1 95,570 1 96,4 89 1 97,4 10 1 98,331 1 99,254 2 00,178 2 01,102 2 02,028 2 02,955 2 03,883 2 04 ,812 2 05,74 3 2 06,674 2 07,607 2 08,54 0 2 09,4 75 2 10,4 11 2 11,34 8 2 12,287 2 13,226 2 14 ,167 2 15,108 2 16,051 2 16,996 2 17,94 1 2 18,887 2 19,835 2 20,784 2 21,734 2 22,686 2 23,638 2 24 ,592 2 25,54 7 2 26,503 2 27,4 61 2 28,4 20 2 29,380 2 30,34 1 2 31,304 2 32,268 2 33,233 2 34 ,199 2 35,167 2 36,136 2 37,106 2 38,078 2 39,051 2 4 0,025 2 4 1,001 2 4 1,978 2 4 2,956 2 4 3,936 2 4 4 ,917 2 4 5,899 2 4 6,883 2 4 7,868 2 4 8,854 2 4 9,84 2 2 50,831 2 51,822 2 52,814 2 53,808 2 54 ,803 2 55,799 2 56,797 2 57,796 2 58,797 2 59,799 2 60,802 2 61,807 2 62,814 2 63,822 2 64 ,831 2 65,84 2 2 66,855 2 67,869 2 68,884 2 69,901 2 70,920 2 71,94 0 2 72,961 2 73,985 2 75,009 2 76,036 2 77,063 2 78,093 2 79,124 2 80,157 2 81,191 2 82,227 2 83,264 2 84 ,303 2 85,34 4 2 86,386 2 87,4 30 2 88,4 76 2 89,524 2 90,573 2 91,623 2 92,676 2 93,730 2 94 ,785 2 95,84 3 2 96,902 2 97,963 2 99,026 300,090 301,156 302,224 303,294 304 ,366 305,4 39 306,514 307,591 308,670 309,750 310,832 311,917 313,003 314 ,090 315,180 316,272 317,365 318,4 61 319,558 320,657 321,758 322,861 323,966 325,073 326,182 327,293 328,4 05 329,520 330,637 331,756 332,876 333,999 335,124 336,251 337,380 338,510 339,64 3 34 0,778 34 1,916 34 3,055 34 4 ,196 34 5,34 0 34 6,4 85 34 7,633 34 8,783 34 9,935 351,089 352,24 5 353,4 04 354 ,565 355,727 356,893 358,060 359,230 360,4 01 361,576 362,752 363,931 365,111 366,295 367,4 80 368,668 369,858 371,051 372,24 6 373,4 4 3 374 ,64 3 375,84 5 377,04 9 378,256 379,4 65 380,677 381,891 383,107 384 ,326 385,54 8 386,772 387,998 389,227 390,4 59 391,693 392,930 394 ,169 395,4 11 396,655 397,902 399,151 4 00,4 04 4 01,658 4 02,916 4 04 ,176 4 05,4 39 4 06,704 4 07,972 4 09,24 3 4 10,517 4 11,793 4 13,072 ...
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