Short answer
Nobody knows the future sale price. Use several plausible scenarios and calculate the appreciation required for renting and buying to finish level.
Important variables
- Nominal local appreciation
- Quality, location and maintenance
- Selling cost
- Inflation and alternative return
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Worked example
Two percent annual growth takes €480,000 to roughly €646,000 after 15 years. Selling cost and remaining debt must be deducted before net equity exists.
Break-even: What changes the result?
A longer hold spreads one-off transaction cost. Higher investment return favours renting; higher property appreciation favours buying.
Common mistakes
- Applying a national average to one home
- Mixing nominal and real values
- Forgetting selling cost
- Treating growth as guaranteed
Terms in this guide
Sources & assumptions
- RATIOXA — Methodology and formulas (2026-08-17)
Continue learning
Continue with your numbers
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