BTW, I just put what actually happened into your calculator. Not assumptions but rather what I paid, what rent would have been, what it is worth now, what rent would be now etc. If my house did not appreciate one penny in the 1st 6 years I still would have been better off buying than renting with your calculator at that point. It is now 11 years I have been here and not only is it cheaper for me to own than it would be to rent my house by a large margin (as it has been for quite some time) but it has appreciated nearly 100%.