The Rent-to-Sell minimum resale price explained
It is the lowest price the tenant can buy your property for, set in the Contract: the initial value grown at 8% a year for a year-four purchase, stepping down to 4% for year eight. The sale is at the higher of that floor or an independent valuation. Read more about Rent-to-Sell.
Where the market line sits above the floor, the valuation sets your price and the floor is not needed. Where the market line dips below it, the floor holds. Most homebuyers plan to buy in year 6, 7 or 8, so start there. The floor rate is highest for an early sale, which is why the year-four figure is not the lowest.
What the minimum resale price calculator assumes
- Minimum resale price = initial home value × (1 + floor rate) ^ (year − 1), with floor rates of 8%, 7%, 6%, 5% and 4% for years four to eight.
- Projected market value grows at 6.8% a year by default — the 25-year long-term house average (CoreLogic) — editable.
- The tenant can buy between years four and eight; year seven is the expected purchase year.
- Selling costs and the credit of the tenant's contributions at settlement are not shown here; see the Rent-to-Sell vs traditional leasing comparison for the full picture.
Frequently asked questions
It is a term of the Contract: the sale to the tenant cannot complete below it. It is not a guarantee that the tenant will buy, or a promise of profit.
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Written by
Founder & CEO
Licensed real estate agent
I started PublicSquare in 2021 to give homebuyers a real path to ownership without a deposit, and landlords a stronger-cashflow alternative to a standard rental. I hold real estate licences in Queensland and New South Wales and personally review every property that enters the program.
Reviewed by
Buyer's Agent
Licensed agent · Former mortgage broker
Over 10 years’ experience as a mortgage broker and real estate agent, now a licensed buyer’s agent with PublicSquare since 2021. He has worked on 100+ property transactions and knows the Queensland and New South Wales markets and the Rent-to-Own model well.
How this calculator was made
Written by Dean Arnold (Founder & CEO) and reviewed for accuracy by Jarrod Wills (Buyer's Agent) before publishing. Program terms are quoted from PublicSquare's own Contract and Appointment documents. We check it again whenever the numbers change; it was last updated 21 October 2026.
For more information, visit our Editorial Guidelines.
Read more about Rent-to-Sell.
This calculator is general information only and does not take your personal circumstances into account. PublicSquare is a licensed real estate agency, not a financial adviser or credit provider. Consider seeking independent advice before making a decision.
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