While all components of the calculator have some effect, utilities played a good part of what I was considering. Some nice apartments I'm looking at cover all utilities except electricity. Some even offer 'free' (included in rent) hi-speed internet. When I plug in the numbers of what I'm considering it's about dead even, excluding free internet. That doesn't even take into the calculation places that offer amenities such as a nice fitness gym and business center, and places to hang out to meet other residents. Plus how do I figure in the 'cost' of the headache of having to do repairs and maintenance myself or arrange for experts to do it, if I owned the home/condo? All that makes renting much more favorable, for me. As they say, YMMV.