Alabama rent vs. buy calculator

The honest break-even — counting what it costs to sell, and what the down payment would have earned if it stayed invested. Both are usually left out, and both favour renting.

Pre-filled with Alabama’s own sourced figures: a $282,139 median home, a 0.38% effective property tax rate, $3,140 average insurance, and 2.4% annual appreciation. Rent is seeded from HUD FY2026 two-bedroom fair market rent, median across 55 FMR areas in Alabama. Change anything that does not match your situation.
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