Rent vs Buy Calculator — Noida (2026)
Home-buying economics for Noida, Uttar Pradesh, with Uttar Pradesh’s real stamp duty and registration costs. Buying to rent out? See the Noida investment calculator.
Where to buy in Noida? Best areas, prices & what to expect · ₹8K–₹15K/sq ftSee details
Noida is a planned, sector-based city whose prime spine is the Noida–Greater Noida Expressway, where average rates run around ₹12,650/sq ft. The city-wide average is ~₹11,750/sq ft, with affordable options in the ₹4,500–5,500 range in outer sectors and Greater Noida West (Noida Extension). The upcoming Jewar (Noida International) airport and Film City are powering demand along the Yamuna Expressway and Greater Noida.
Typical on-market price
₹8K–₹15K / sq ft
Notable localities
- Noida Expressway — Premium corridor; ~₹12,650/sq ft average, strong rental demand.
- Sector 150 — Low-density “sports city” sectors popular with premium buyers.
- Sectors 75–79 — Established high-rise residential cluster with good connectivity.
- Greater Noida West — Affordable “Noida Extension” belt; flats ~₹7,550–10,700/sq ft.
- Yamuna Expressway — Jewar-airport growth corridor; early-stage, land-led appreciation.
Noida rent vs buy calculator
Key outputs
Buying this ₹1,20,00,000 home in Noida means an EMI of ₹72,897 paid from your pocket and ₹46,80,000 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 ₹46,80,000 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 | ₹1,59,61,414 | ₹4,29,64,347 | ₹8,45,17,374 |
| − Total EMI paid | −₹87,47,658 | −₹1,74,95,316 | −₹1,74,95,316 |
| = Final cash | ₹72,13,756 | ₹2,54,69,031 | ₹6,70,22,057 |
| Rent → invest the ₹46,80,000 + pay rent | |||
| Total rent paid | ₹48,29,911 | ₹1,26,97,326 | ₹2,55,12,517 |
| Stock market @ 10.0% → value | ₹1,21,38,715 | ₹3,14,84,700 | ₹8,16,63,203 |
| = Final cash (− rent) | ₹73,08,804 | ₹1,87,87,373 | ₹5,61,50,685 |
| Fixed deposit @ 7.0% → value | ₹92,06,268 | ₹1,81,10,123 | ₹3,56,25,354 |
| = Final cash (− rent) | ₹43,76,358 | ₹54,12,797 | ₹1,01,12,836 |
| P2P lending @ 12.0% → value | ₹1,45,35,370 | ₹4,51,44,652 | ₹14,02,12,436 |
| = Final cash (− rent) | ₹97,05,459 | ₹3,24,47,325 | ₹11,46,99,918 |
| 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 | ₹1,20,00,000 | ₹8,74,764 | ₹82,32,821 | ₹8,74,766 | ||
| 2 | ₹1,28,40,000 | ₹8,74,764 | ₹80,50,864 | ₹17,49,532 | ||
| 3 | ₹1,37,38,800 | ₹8,74,764 | ₹78,52,825 | ₹26,24,297 | ||
| 4 | ₹1,47,00,516 | ₹8,74,764 | ₹76,37,280 | ₹34,99,063 | ||
| 5 | ₹1,57,29,552 | ₹8,74,764 | ₹74,02,683 | ₹43,73,829 | ||
| 6 | ₹1,68,30,621 | ₹8,74,764 | ₹71,47,350 | ₹52,48,595 | ||
| 7 | ₹1,80,08,764 | ₹8,74,764 | ₹68,69,448 | ₹61,23,361 | ||
| 8 | ₹1,92,69,378 | ₹8,74,764 | ₹65,66,982 | ₹69,98,127 | ||
| 9 | ₹2,06,18,234 | ₹8,74,764 | ₹62,37,781 | ₹78,72,892 | ||
| 10 | ₹2,20,61,511 | ₹8,74,764 | ₹58,79,481 | ₹87,47,658 | ||
| 11 | ₹2,36,05,816 | ₹8,74,764 | ₹54,89,511 | ₹96,22,424 | ||
| 12 | ₹2,52,58,223 | ₹8,74,764 | ₹50,65,071 | ₹1,04,97,190 | ||
| 13 | ₹2,70,26,299 | ₹8,74,764 | ₹46,03,114 | ₹1,13,71,956 | ||
| 14 | ₹2,89,18,140 | ₹8,74,764 | ₹41,00,325 | ₹1,22,46,721 | ||
| 15 | ₹3,09,42,410 | ₹8,74,764 | ₹35,53,093 | ₹1,31,21,487 | ||
| 16 | ₹3,31,08,378 | ₹8,74,764 | ₹29,57,492 | ₹1,39,96,253 | ||
| 17 | ₹3,54,25,965 | ₹8,74,764 | ₹23,09,244 | ₹1,48,71,019 | ||
| 18 | ₹3,79,05,783 | ₹8,74,764 | ₹16,03,697 | ₹1,57,45,785 | ||
| 19 | ₹4,05,59,187 | ₹8,74,764 | ₹8,35,787 | ₹1,66,20,551 | ||
| 20 | ₹4,33,98,330 | ₹8,74,764 | ₹0 | ₹1,74,95,316 | ||
| 21 | ₹4,64,36,214 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 22 | ₹4,96,86,748 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 23 | ₹5,31,64,821 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 24 | ₹5,68,86,358 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 25 | ₹6,08,68,403 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 26 | ₹6,51,29,192 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 27 | ₹6,96,88,235 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 28 | ₹7,45,66,412 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 29 | ₹7,97,86,060 | ₹0 | ₹0 | ₹1,74,95,316 | ||
| 30 | ₹8,53,71,085 | ₹0 | ₹0 | ₹1,74,95,316 |
Noida home-buying FAQs
What is the stamp duty rate in Noida?
Stamp duty in Noida (Uttar Pradesh) is 7.0% of the property value, reduced to 6.0% when the property is registered in a woman’s name. On the example price of ₹1,20,00,000 that is ₹8,40,000 at the standard rate.
What is the property registration charge in Uttar Pradesh?
Registration charge in Uttar Pradesh is 1.0% of the property value with no upper cap. On the example price of ₹1,20,00,000 that is ₹1,20,000.
When does buying break even if you sell in Noida?
Buying a ₹1,20,00,000 home in Noida (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 ₹25,33,756.
How much upfront cash do I need to buy a ₹1.20 Cr home in Noida?
To buy a ₹1,20,00,000 home in Noida you need roughly ₹46,80,000 upfront: a 30% down payment of ₹36,00,000 plus ₹10,80,000 of transaction costs (stamp duty ₹8,40,000, registration ₹1,20,000, brokerage ₹1,20,000).
Do women get a stamp duty concession in Uttar Pradesh?
Yes. Uttar Pradesh charges women buyers a reduced stamp duty of 6.0% versus 7.0%, saving about ₹1,20,000 on the example price of ₹1,20,00,000.
How will the Jewar airport affect Noida property prices?
The Noida International (Jewar) airport, along with the planned Film City, is the region’s biggest long-term driver and has already lifted land and flat prices along the Yamuna Expressway and in Greater Noida. Buyers seeking appreciation are moving toward those corridors, while established Noida sectors offer more mature infrastructure and rental demand today.
Do women get a stamp duty concession in Noida?
Yes. In Uttar Pradesh women buying in their sole name pay 6% stamp duty versus 7% for men — a 1% saving — with the concession effectively capped on higher-value homes. Registration is a flat 1%. The saving is meaningful on Noida’s typically higher ticket sizes.
Noida at a glance
Based on an example ₹1,20,00,000 home at 30% down, 8.5% over 20 years. Change any input in the calculator to see your own numbers.
| Example property price | ₹1,20,00,000 |
|---|---|
| Down payment (30%) | ₹36,00,000 |
| Loan amount | ₹84,00,000 |
| Monthly EMI | ₹72,897 |
| Stamp duty (7.0%) | ₹8,40,000 |
| Registration | ₹1,20,000 |
| Brokerage | ₹1,20,000 |
| All-in transaction cost (9.0%) | ₹10,80,000 |
| Upfront cash needed | ₹46,80,000 |
| Rent if you rented instead | ₹32,000 / mo |
| Net gain if sold (10 yr) | ₹25,33,756 |
| Break-even on sale | Year 7 |