Buy vs Rent Calculator Kenya
Compare the long-term cost of buying against renting using your own assumptions.
Secondary assumptions
Scenario over 5 years
Cash spending is shown separately from equity. Mortgage payments stop at the end of the loan term. Equity is property value less the remaining loan, before selling costs; it is not cash available to spend.
- Estimated buying cash cost
- KSh 8,865,012
- Estimated rent paid
- KSh 5,304,606
- Estimated property value
- KSh 11,592,741
- Remaining mortgage balance
- KSh 8,403,799
- Estimated property equity
- KSh 3,188,941
The result compares estimated cash costs under the buying, renting and horizon assumptions. It is scenario-based, not financial advice.
Assumptions
Buying assumptions
Price, deposit, mortgage, purchase costs, maintenance and appreciation drive the buying side.
Renting assumptions
Monthly rent and rent-growth assumptions drive the renting side.
Time horizon
Longer or shorter holding periods can materially change the comparison.
Relevant guide or service
Other calculators
Frequently asked questions
Does the calculator recommend buying or renting?
No. It reports the lower estimated cash cost under your assumptions only.
Why does horizon matter?
Purchase costs, rent increases and appreciation compound differently over time.