Rent vs Buy Calculator — Coimbatore (2026)
Home-buying economics for Coimbatore, Tamil Nadu, with Tamil Nadu’s real stamp duty and registration costs. Buying to rent out? See the Coimbatore investment calculator.
Where to buy in Coimbatore? Best areas, prices & what to expect · ₹4K–₹8K/sq ftSee details
Coimbatore is a prosperous industrial and textile city with a fast-growing, largely end-user housing market. Prime central areas like RS Puram and Saibaba Colony run ₹7,000–11,700/sq ft, while the outskirts remain very affordable. City-wide values are forecast to keep rising 10–15% a year, helped by an educated workforce, a strong SME base, and improving connectivity — though, as in all of Tamil Nadu, buyers face an 11% combined statutory cost.
Typical on-market price
₹4K–₹8K / sq ft
Notable localities
- RS Puram — Premium central neighbourhood; flats ₹7,000–11,700/sq ft.
- Saibaba Colony — Upmarket, established residential area with strong demand.
- Peelamedu — Central belt near educational institutions and IT offices.
- Vadavalli — Popular western suburb favoured by families.
- Race Course — Prime low-density central address.
Coimbatore rent vs buy calculator
Key outputs
Buying this ₹70,00,000 home in Coimbatore means an EMI of ₹42,523 paid from your pocket and ₹29,40,000 upfront. If you sell, selling turns net-positive around year 8. See the verdict below to compare with renting and investing that cash instead.
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30-year projection
Rent vs Buy — what leaves you richer?
If you don’t buy, you keep your ₹29,40,000 of upfront cash to invest and pay rent instead. Here’s the cash each path leaves you with — buying means selling the home minus the EMIs you paid; renting means your invested cash minus the rent you paid.
| After 10 yrs | After 20 yrs | After 30 yrs | |
|---|---|---|---|
| Buy → sell the home | |||
| Net sale proceeds | ₹93,10,825 | ₹2,50,62,536 | ₹4,93,01,801 |
| − Total EMI paid | −₹51,02,801 | −₹1,02,05,601 | −₹1,02,05,601 |
| = Final cash | ₹42,08,024 | ₹1,48,56,935 | ₹3,90,96,200 |
| Rent → invest the ₹29,40,000 + pay rent | |||
| Total rent paid | ₹27,16,825 | ₹71,42,246 | ₹1,43,50,791 |
| Stock market @ 10.0% → value | ₹76,25,603 | ₹1,97,78,850 | ₹5,13,01,243 |
| = Final cash (− rent) | ₹49,08,778 | ₹1,26,36,604 | ₹3,69,50,452 |
| Fixed deposit @ 7.0% → value | ₹57,83,425 | ₹1,13,76,872 | ₹2,23,80,030 |
| = Final cash (− rent) | ₹30,66,600 | ₹42,34,626 | ₹80,29,239 |
| P2P lending @ 12.0% → value | ₹91,31,194 | ₹2,83,60,102 | ₹8,80,82,171 |
| = Final cash (− rent) | ₹64,14,369 | ₹2,12,17,856 | ₹7,37,31,380 |
| Verdict | Renting + P2P wins | Renting + P2P wins | Renting + P2P wins |
Buy “final cash” is the sale proceeds minus every EMI you paid; rent “final cash” is the invested cash minus every rent payment — so both count their housing cost. The property’s net gain (final cash − upfront) matches “Net gain if sold” in the projection below.
Illustrative only, not financial advice. Investment rows assume the upfront cash is a one-time lump sum compounding at the rate you enter. Returns are assumptions and are not guaranteed.
Full year-by-year projection
| Year | Property value | Annual EMI | Outstanding loan | Home equity | Cumulative EMI paid | Net gain if sold |
|---|---|---|---|---|---|---|
| 1 | ₹70,00,000 | ₹5,10,276 | ₹48,02,479 | ₹5,10,280 | ||
| 2 | ₹74,90,000 | ₹5,10,276 | ₹46,96,338 | ₹10,20,560 | ||
| 3 | ₹80,14,300 | ₹5,10,276 | ₹45,80,814 | ₹15,30,840 | ||
| 4 | ₹85,75,301 | ₹5,10,276 | ₹44,55,080 | ₹20,41,120 | ||
| 5 | ₹91,75,572 | ₹5,10,276 | ₹43,18,232 | ₹25,51,400 | ||
| 6 | ₹98,17,862 | ₹5,10,276 | ₹41,69,288 | ₹30,61,680 | ||
| 7 | ₹1,05,05,112 | ₹5,10,276 | ₹40,07,178 | ₹35,71,960 | ||
| 8 | ₹1,12,40,470 | ₹5,10,276 | ₹38,30,740 | ₹40,82,240 | ||
| 9 | ₹1,20,27,303 | ₹5,10,276 | ₹36,38,706 | ₹45,92,521 | ||
| 10 | ₹1,28,69,214 | ₹5,10,276 | ₹34,29,697 | ₹51,02,801 | ||
| 11 | ₹1,37,70,060 | ₹5,10,276 | ₹32,02,215 | ₹56,13,081 | ||
| 12 | ₹1,47,33,964 | ₹5,10,276 | ₹29,54,625 | ₹61,23,361 | ||
| 13 | ₹1,57,65,341 | ₹5,10,276 | ₹26,85,150 | ₹66,33,641 | ||
| 14 | ₹1,68,68,915 | ₹5,10,276 | ₹23,91,856 | ₹71,43,921 | ||
| 15 | ₹1,80,49,739 | ₹5,10,276 | ₹20,72,638 | ₹76,54,201 | ||
| 16 | ₹1,93,13,221 | ₹5,10,276 | ₹17,25,203 | ₹81,64,481 | ||
| 17 | ₹2,06,65,146 | ₹5,10,276 | ₹13,47,059 | ₹86,74,761 | ||
| 18 | ₹2,21,11,706 | ₹5,10,276 | ₹9,35,490 | ₹91,85,041 | ||
| 19 | ₹2,36,59,526 | ₹5,10,276 | ₹4,87,542 | ₹96,95,321 | ||
| 20 | ₹2,53,15,693 | ₹5,10,276 | ₹0 | ₹1,02,05,601 | ||
| 21 | ₹2,70,87,791 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 22 | ₹2,89,83,937 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 23 | ₹3,10,12,812 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 24 | ₹3,31,83,709 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 25 | ₹3,55,06,569 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 26 | ₹3,79,92,028 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 27 | ₹4,06,51,470 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 28 | ₹4,34,97,073 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 29 | ₹4,65,41,869 | ₹0 | ₹0 | ₹1,02,05,601 | ||
| 30 | ₹4,97,99,799 | ₹0 | ₹0 | ₹1,02,05,601 |
Coimbatore home-buying FAQs
What is the stamp duty rate in Coimbatore?
Stamp duty in Coimbatore (Tamil Nadu) is 7.0% of the property value, the same regardless of the buyer’s gender. On the example price of ₹70,00,000 that works out to ₹4,90,000.
What is the property registration charge in Tamil Nadu?
Registration charge in Tamil Nadu is 4.0% of the property value with no upper cap. On the example price of ₹70,00,000 that is ₹2,80,000.
When does buying break even if you sell in Coimbatore?
Buying a ₹70,00,000 home in Coimbatore (30% down at 8.5% over 20 years) turns net-positive on sale around year 8 — that is when the sale proceeds finally cover your upfront cash and the EMIs paid. By year 10 the modelled net gain is about ₹12,68,024.
How much upfront cash do I need to buy a ₹70.00 L home in Coimbatore?
To buy a ₹70,00,000 home in Coimbatore you need roughly ₹29,40,000 upfront: a 30% down payment of ₹21,00,000 plus ₹8,40,000 of transaction costs (stamp duty ₹4,90,000, registration ₹2,80,000, brokerage ₹70,000).
Do women get a stamp duty concession in Tamil Nadu?
No. Tamil Nadu offers no reduced stamp duty for women buyers — the 7.0% slab applies regardless of who the property is registered to.
Is Coimbatore a good property investment?
Coimbatore combines low entry prices with a diversified industrial, textile, and education economy, and city-wide prices have been forecast to rise 10–15% a year. It is primarily an end-user and long-term-appreciation market rather than a high-yield rental one, and the state’s 11% combined stamp duty and registration cost means it rewards longer holding periods.
Which are the best residential areas in Coimbatore?
RS Puram, Saibaba Colony, and Race Course are the established premium central areas, while Vadavalli and Peelamedu offer well-regarded family-friendly options with good access to schools, colleges, and workplaces. Outlying areas along the Ring Road are far cheaper and see the highest percentage appreciation.
Coimbatore at a glance
Based on an example ₹70,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹70,00,000 |
|---|---|
| Down payment (30%) | ₹21,00,000 |
| Loan amount | ₹49,00,000 |
| Monthly EMI | ₹42,523 |
| Stamp duty (7.0%) | ₹4,90,000 |
| Registration | ₹2,80,000 |
| Brokerage | ₹70,000 |
| All-in transaction cost (12.0%) | ₹8,40,000 |
| Upfront cash needed | ₹29,40,000 |
| Rent if you rented instead | ₹18,000 / mo |
| Net gain if sold (10 yr) | ₹12,68,024 |
| Break-even on sale | Year 8 |