Owning minus renting (monthly) by ZIP code
An interactive U.S. map of owning minus renting (monthly) for states, metro areas, counties and ZIP codes. Latest data: September 2026. PLUS
Open owning minus renting (monthly) on the map
What this measure is
The monthly cost of buying the typical home minus the typical monthly rent; positive means buying costs more each month. The cost of buying assumes 20% down and a 30-year fixed mortgage at the month's average rate, plus property tax and homeowners insurance. It leaves out equity built, price growth, maintenance and the return the down payment could earn elsewhere.
Source, dates and coverage
- Source
- Zillow home values and rents, Freddie Mac mortgage rates, Census Bureau American Community Survey, US Treasury Federal Insurance Office and Bureau of Labor Statistics data.
- Updated
- Monthly. Latest data on the map: September 2026.
- Areas on the map
- States, metro areas, counties and ZIP codes.
- Group
- Affordability & valuation
- Access
- ProMap Plus ($19 a month or $190 a year).
Values for every place
Owning minus renting (monthly) is a ProMap Plus measure. The map shows it for the areas listed above. This page shows the map's national picture, the method and the source, and no figures.
ProMap Plus costs $19 a month or $190 a year. A free 7-day trial is offered on the map.
See owning minus renting (monthly) in ProMap PlusHow to cite
Please also credit the original source: Zillow home values and rents, Freddie Mac mortgage rates, Census Bureau American Community Survey, US Treasury Federal Insurance Office and Bureau of Labor Statistics data.
More affordability & valuation measures
- Monthly cost to buy
- Cost to buy as % of income
- Income needed to buy
- Price-to-income ratio
- Price-to-income vs 2000–19
- Home value vs 2022 peak
- Fall in the 2007–12 crash
- Zillow forecast: next 12 months
- Price-to-rent ratio
- Gross rental yield
- For-sale inventory vs 2017–19
- Homes sold vs 2017–19
- Owners with a mortgage