Decision Tool
Buy vs Rent Calculator
Should you buy or rent in the Netherlands? Calculate the true cost of each option based on Dutch market conditions and your personal timeline.
Your Situation
€ 400.000
Typical range for apartments and houses
€ 1.800
What you pay or would pay for similar property
7 years
Time horizon is crucial for this decision
4.2%
Current average is ~4.0-4.5% for 10-year fixed
Advanced Settings
2%
3%
Renting May Be Better
With a 7-year timeline, renting is likely more cost-effective. You'd need to stay 21+ years for buying to pay off.
Buying
€ 2.456/mo
Mortgage + costs
Renting
€ 1.800/mo
Current rent
Key Numbers
Break-even point21 years
Buying costs (upfront)€ 18.000
Total rent (10 years)€ 247.620
Your equity after 10 years€ 168.459
Beyond the Numbers
Buy if...
- • Planning to stay 5+ years
- • Want stability & control
- • Building long-term wealth
- • Can handle maintenance
Rent if...
- • Uncertain timeline
- • Need flexibility
- • Limited savings
- • Testing neighborhoods