SAMPLE REPORT · REAL ENGINE OUTPUT

Rent vs Buy Analysis — Jersey City, NJ

This is a genuine DwellQ engine run for a Jersey City scenario, shown exactly as Q+ reports it. The full PDF adds tax intelligence, amortization detail, and every formula. Your report uses your numbers.

VERDICT

Buying wins — break-even in year 3.3, about $126K ahead by year 10.

The numbers

Monthly rent (today)$2,800
Purchase price$575,000
Down payment (20%)$115,000
Mortgage rate (30-yr fixed)6.1%
Monthly mortgage payment$2,787
Break-even pointYear 3.3
10-yr net worth — buying$564,000
10-yr net worth — renting & investing$437,000
Buying advantage at year 10+$126,496

Net worth, year by year

YearBuyingRenting & investing
1$117K$152K
2$156K$176K
3$198K$202K
4$242K$230K
5$288K$259K
6$337K$290K
7$389K$323K
8$444K$359K
9$502K$397K
10$564K$437K

Assumptions: 3%/yr rent growth · 7%/yr investment return · 1.65% property tax · 5.8%/yr appreciation · 6% selling costs · Sources: Zillow ZORI · U.S. Census ACS · FRED · Illustrative scenario — not financial advice.

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