Owning vs. Renting in Islamabad: A 30-Year Financial Comparison 
Scenario:
House Location: Islamabad
House Price:$360,000 (upfront payment)
Rent: 900/month
Investment: $360,000 in a US S&P 500 low-cost index fund with a 10% annual return
House Appreciation: 3% annually
Rent Increase:4% annually
Currency Conversion: PKR to USD considered and price and trend of last 15 years
Results After 30 Years:
- Owning the Home: Future House Value: $873,814.49
- Renting the Home: Total Rent Paid: $605,717.33
Investment Value After Rent Withdrawals: $3,468,995.87
Difference/Gain:
Renting & Investing: $3,468,995.87
Owning: $873,814.49
Net Gain: $2,595,181.38
Conclusion: Renting and investing the $360,000 in a US S&P 500 low-cost index fund results in a net gain of approximately $2.6 million compared to owning the home. 
