Rent vs Buy Calculator — Mysore (2026)
Home-buying economics for Mysore, Karnataka, with Karnataka’s real stamp duty and registration costs. Buying to rent out? See the Mysore investment calculator.
Where to buy in Mysore? Best areas, prices & what to expect · ₹5K–₹8K/sq ftSee details
Mysore is a slower-paced, end-user-driven market — a heritage city where most buyers are families, retirees, and returning professionals rather than speculators. Apartment prices average around ₹6,000–7,500/sq ft, well below Bangalore, and demand is spreading toward the Infosys campus and the Ring Road as the city picks up spillover IT growth. Established residential belts like Vijayanagar, Gokulam, and Kuvempunagar remain the most sought-after.
Typical on-market price
₹5K–₹8K / sq ft
Notable localities
- Vijayanagar — Popular, well-planned residential belt with good connectivity.
- Gokulam — Upmarket, leafy neighbourhood favoured by professionals and NRIs.
- Kuvempunagar / JP Nagar — Established mid-market areas with steady end-user demand.
- Hebbal / Ring Road — Newer growth zone near the Infosys campus and industrial area.
- Bogadi — Affordable, fast-developing western suburb popular with first-time buyers.
Mysore rent vs buy calculator
Key outputs
Buying this ₹70,00,000 home in Mysore means an EMI of ₹42,523 paid from your pocket and ₹27,05,500 upfront. If you sell, selling turns net-positive around year 7. 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 ₹27,05,500 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 ₹27,05,500 + pay rent | |||
| Total rent paid | ₹27,16,825 | ₹71,42,246 | ₹1,43,50,791 |
| Stock market @ 10.0% → value | ₹70,17,370 | ₹1,82,01,251 | ₹4,72,09,358 |
| = Final cash (− rent) | ₹43,00,545 | ₹1,10,59,005 | ₹3,28,58,567 |
| Fixed deposit @ 7.0% → value | ₹53,22,128 | ₹1,04,69,431 | ₹2,05,94,956 |
| = Final cash (− rent) | ₹26,05,303 | ₹33,27,185 | ₹62,44,165 |
| P2P lending @ 12.0% → value | ₹84,02,872 | ₹2,60,98,046 | ₹8,10,56,569 |
| = Final cash (− rent) | ₹56,86,048 | ₹1,89,55,800 | ₹6,67,05,778 |
| 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 |
Mysore home-buying FAQs
What is the stamp duty rate in Mysore?
Stamp duty in Mysore (Karnataka) is 5.7% of the property value, the same regardless of the buyer’s gender. On the example price of ₹70,00,000 that works out to ₹3,95,500.
What is the property registration charge in Karnataka?
Registration charge in Karnataka is 2.0% of the property value with no upper cap. On the example price of ₹70,00,000 that is ₹1,40,000.
When does buying break even if you sell in Mysore?
Buying a ₹70,00,000 home in Mysore (30% down at 8.5% over 20 years) turns net-positive on sale around year 7 — that is when the sale proceeds finally cover your upfront cash and the EMIs paid. By year 10 the modelled net gain is about ₹15,02,524.
How much upfront cash do I need to buy a ₹70.00 L home in Mysore?
To buy a ₹70,00,000 home in Mysore you need roughly ₹27,05,500 upfront: a 30% down payment of ₹21,00,000 plus ₹6,05,500 of transaction costs (stamp duty ₹3,95,500, registration ₹1,40,000, brokerage ₹70,000).
Do women get a stamp duty concession in Karnataka?
No. Karnataka offers no reduced stamp duty for women buyers — the 5.7% slab applies regardless of who the property is registered to.
Is Mysore a good place to buy property compared to Bangalore?
Mysore is far more affordable than Bangalore — apartments average roughly ₹6,000–7,500/sq ft versus ₹11,000+ in Bangalore — and it appeals to end-users wanting more space, cleaner air, and a calmer pace. The trade-off is a thinner rental market and slower price appreciation, so it suits buyers planning to live in the home rather than pure investors chasing yield.
Which are the best residential areas in Mysore?
Gokulam and Vijayanagar are the established premium residential areas, while Kuvempunagar and JP Nagar offer solid mid-market options. For newer stock and lower entry prices, buyers look at the Ring Road belt near the Infosys campus and the developing western suburb of Bogadi.
Mysore 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 (5.7%) | ₹3,95,500 |
| Registration | ₹1,40,000 |
| Brokerage | ₹70,000 |
| All-in transaction cost (8.6%) | ₹6,05,500 |
| Upfront cash needed | ₹27,05,500 |
| Rent if you rented instead | ₹18,000 / mo |
| Net gain if sold (10 yr) | ₹15,02,524 |
| Break-even on sale | Year 7 |