Should you rent or buy a house in India? Compare the true cost of both options including EMI, stamp duty, appreciation, maintenance, and opportunity cost of your down payment.
Over 15 years, you're better off
🏢 Renting
You save ₹94.2L by rentingBuying breaks even at year 1
Your EMI of ₹34,713/month is 2.3x your current rent. That's a significant jump — make sure it fits your budget.
Price-to-Rent ratio: 27.8. Above 20 means renting is usually cheaper — the property is overpriced relative to rents.
Upfront cost of buying: ₹13.5L (27% of home price). That's 7.5 years of rent.
Buying breaks even at year 1. That's reasonable — buying makes sense if you'll stay.