Property
Rent vs Buy Calculator
Compare the true cost of renting versus buying property in Cyprus over your chosen time horizon, accounting for mortgage costs, investment returns on your down payment, and property appreciation.
Your inputs
Break-even year
Year 1
when buying becomes cheaper
Rent total (10 yr)
€192,593
cumulative rent paid
Buy net cost (10 yr)
€33,149
after equity and opportunity cost
| Cost | Amount |
|---|---|
| Transfer fees (after the 50% reduction) | €8,600 |
| VAT (none on a resale) | €0 |
| Legal fees (1.25% plus 19% VAT) | €4,463 |
| Total upfront | €13,063 |
| Year | Cumulative rent | Buy net cost | Home equity | Cheaper option |
|---|---|---|---|---|
| Year 1 | €16,800 | €16,601 | €106,652 | Buy ahead |
| Year 2 | €34,104 | €19,817 | €123,998 | Buy ahead |
| Year 3 | €51,927 | €22,703 | €142,067 | Buy ahead |
| Year 4 | €70,285 | €25,254 | €160,888 | Buy ahead |
| Year 5 | €89,193 | €27,461 | €180,494 | Buy ahead |
| Year 6 | €108,669 | €29,320 | €200,918 | Buy ahead |
| Year 7 | €128,729 | €30,824 | €222,193 | Buy ahead |
| Year 8 | €149,391 | €31,967 | €244,355 | Buy ahead |
| Year 9 | €170,673 | €32,744 | €267,441 | Buy ahead |
| Year 10 | €192,593 | €33,149 | €291,490 | Buy ahead |
Next steps
Sources
Last checked October 2026.
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