Sell vs Rent Calculator

The Sell vs. Rent Decision in 2026

With mortgage rates still elevated in 2026, many accidental landlords (homeowners who kept their old home when moving) are finding that their low-rate mortgage makes renting financially attractive — even in markets where rental yields alone wouldn't justify holding the property. A homeowner with a 3.5% mortgage from 2020 renting at 2026 market rates may be generating positive cash flow of $500-$1,000/month despite high home values.

Conversely, homeowners who purchased in 2022-2023 at high prices and high rates often find their rental income doesn't cover carrying costs. The decision ultimately comes down to cash flow, tax implications, and whether you want to be a landlord. This calculator gives you the numbers — but the lifestyle choice is yours.