NYC Real Estate Tool

Rent vs Buy Calculator

Compare the true long-term cost of buying versus renting in New York City — factoring in mortgage payments, home appreciation, closing & selling costs, and the opportunity cost of your down payment.

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Net Cost Comparison

If You Buy

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If You Rent

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Enter your details to see your verdict.

Breakeven Point: —

    Includes mortgage payments, taxes, HOA, closing & selling costs, plus opportunity cost of the down payment if invested. Estimates are educational — consult a financial advisor for personalized advice.

    The Victoria Shtainer Team

    About the Team

    The Victoria Shtainer Team

    With over a decade of experience navigating New York City’s most competitive luxury market, The Victoria Shtainer Team at Compass brings persistence, fresh perspective, and deep market expertise to every transaction. As a former litigator, Victoria’s sharp negotiation skills and strategic mindset make her an exceptionally strong advocate—whether positioning a property for maximum value or securing the perfect home for a discerning buyer. The team sees opportunities where others can’t, pairing innovative marketing with data-driven pricing to consistently deliver results. Powered by Compass’s industry-leading technology, Coming Soon strategy, and Bridge Loan resources, the team offers clients a level of service and market access that few can match.

    Meet the Team
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    What Our Clients Say

    “Working with Victoria to purchase our new home was an outstanding experience from start to finish. Victoria took the time to listen to our needs, answer all our questions, and patiently guide us through the complexities of the home-buying process.”

    Ed Lee

    “We have known Victoria professionally for more than a decade. She is a trusted, insightful, and caring professional who understands your needs. She is extremely fluent with the Manhattan market and will be fighting for you to bring you the best deal.”

    Milena Sheynkman

    “Victoria is very smart and savvy about the market and process, and is very responsive. She also kept a helpful eye on our home during the sales process. She did a super job and I highly recommend her.”

    Jack Stahl

    “Victoria has been our real estate agent for over 9 years, representing us in connection with our purchase of a condo unit and its subsequent rental. Throughout our relationship, Victoria has been exceptional in all respects.”

    Zillow Reviewer

    “Victoria was professional, knowledgeable and efficient in helping us not only sell our property but get the best possible price during a softening of the market. Not only would I recommend her to others but I already did so.”

    Zillow Reviewer

    “There is no one we trusted more than Victoria to help find us our dream home and then be able to sell it. She is simply the best in her industry and we are looking forward to working with her in the future.”

    Zillow Reviewer

    Ready to Find Your Home?

    Let The Victoria Shtainer Team guide you through New York City’s most competitive luxury market. Start your search today.

    Start Your Search