Rent or buy: 21x is a coarse screen; compute your break-even

Rent or buy? At 6.5%, a $420,000 house breaks even near 14.2x rent, while the default 0.50% monthly yield is about 16.7x; recompute with your rate, not 21x. Independent technical note mirroring the canonical version: https://bankio.io/blog/rent-or-buy-21x-is-a-coarse-screen-compute-your-break-even.php

Authors

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-11-08
DOI
https://doi.org/10.5281/zenodo.24066894
Primary Topic
Housing Market and Economics
Type
preprint
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preprint

Rent or buy: 21x is a coarse screen; compute your break-even

Lucas Barrett
Zenodo (CERN European Organization for Nuclear Research)
Housing Market and Economics
preprint

Rent or buy: 21x is a coarse screen; compute your break-even

Lucas Barrett
preprint en

Abstract

Rent or buy? At 6.5%, a $420,000 house breaks even near 14.2x rent, while the default 0.50% monthly yield is about 16.7x; recompute with your rate, not 21x. Independent technical note mirroring the canonical version: https://bankio.io/blog/rent-or-buy-21x-is-a-coarse-screen-compute-your-break-even.php

Zenodo (CERN European Organization for Nuclear Research)
Housing Market and Economics
DOIOpen Access PDFOpenAlex
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Rent or buy: 21x is a coarse screen; compute your break-even — Lucas Barrett · Zenodo (CERN European Organization for Nuclear Research) (2026) | TGRS Research Map | TGRS