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Buy your home, or keep renting?

Choose a home and holding period to compare renting with buying.

Two ways to live there

Buying comes out ₦311,000 ahead after 26 weeks.

Wealth after your stay

Keep renting

Net position

₦417,000

Buy it out

Net position

₦728,000

Estimated net position, assuming home resale at 80%. Excludes furniture.

Your home

₦17,000/week · buy ₦910,000 · move-in ₦51,000

How long you'll stay

weeks
What else your cash earns 0 %/week
%/week
Full costs and break-even

Every rent, buy price and move-in fee is a Houses app read; the 80% resell rate is community-verified. The model is a simplification: one home, no furniture costs, and you resell at the end. The game's Buy button has no confirmation step — read before you tap.

Keep renting

Move-in fee ₦51,000
26 weeks of rent ₦442,000
Cash out ₦493,000
Net position ₦417,000

Buy it out

Pay now ₦910,000
Resell later (80%) ₦728,000
True living cost (20%) ₦182,000
Net position ₦728,000

At 0% a week, buying pulls ahead from week 8 onward.

Rents, buy prices and the 3× move-in fee come straight from the Houses app; the 80% resell rate is community-verified. If your screen shows different numbers, the game is right.

FAQ

With the cash sitting idle, buying pays for itself fast: the Lekki mini-flat costs ₦910,000 outright, while renting it means ₦51,000 to move in plus ₦17,000 a week — the buy-out breaks even around week 8. The real question is what else the ₦910,000 could earn: land plots pay 2.5–3.8% a week, and that compounds faster than most rents drain.
One you would keep for a long stretch. The game resells any home at 80% of what you paid, so the true cost of owning is the 20% spread — cheap rungs like Mushin spread over just a few weeks of rent, while island addresses take months to amortise. Only an owned home can also be extended with furniture.
Yes — the game buys your home back at 80% of the price you paid (community-verified). There is no confirmation step on the buy button, so read before you tap; this calculator prices that 20% spread against your weekly rent at whatever horizon you plan to stay.

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