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Rent-to-Sell Minimum Resale Price Calculator

Every Rent-to-Sell agreement sets a contracted minimum price for each year the tenant can buy. This calculator shows that floor for your investment property against a projected market value, so you can see a defined exit strategy in numbers.

Published 25 September 2026Updated 27 September 2026

Minimum resale price

The option window is years 4–8 — most tenants buy in years 7 or 8.

Your guaranteed minimum, whatever the market does
$1,045,275
A $265,275 minimum uplift on your $780,000 purchase at year 7 (5% p.a. floor), written into the contract. The tenant pays the higher of this or an independent valuation — at 6.8% growth, that valuation would be $1,236,213.
$1m$1.11m$1.21m$1.32m$1.32m$1.03mYr 4Yr 5Yr 6Yr 7Yr 8
Projected market value Contractual minimum resale price
How the floor works

Every contract includes a contractually defined minimum resale price, determined by a CAGR floor rate — the lowest price you can receive for the property regardless of market conditions. The floor is intentionally higher in the earlier years of the lease to protect you if the tenant exercises early; in later years it moderates, but by then the property will typically have appreciated beyond it. The floor is a safety net, not a ceiling: at sale, a licensed valuer conducts an independent valuation, and the tenant pays whichever is higher. These rates apply to houses. Apartments and townhouses typically grow more slowly, so PublicSquare may set lower minimum growth rates in the contract for those properties, with the agreement of all parties. The tenant's accumulated deposit contributions — cash you've already received weekly — are deducted from the final sale price at settlement. The tenant holds an option, not an obligation — they are never required to buy. And there are no circumstances in which you are obligated to repay their accumulated deposit contributions if they don't purchase and no sale takes place: you retain full title, and under the contract those contributions convert to an exit fee payable to you. For scenarios and risk mitigation, please review the guides and FAQs in our app for further information about how we protect you. Projected market values use the growth assumption above and are illustrative only.

General information only — not financial, legal, or tax advice. Results are estimates based on the stated assumptions and your inputs; obtain independent professional advice before making any decision.

What is the Rent-to-Sell minimum resale price?

It is the lowest price the tenant can buy your property for, set in the agreement: 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. Year seven is the expected purchase year, so start there. The floor rate is highest for an early sale, which is why the year-four figure is not the lowest.

What does the minimum resale price calculator assume?

  • 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 long-run CoreLogic median for houses across the eight capitals — 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 agreement: the sale to the tenant cannot complete below it. It is not a guarantee that the tenant will buy, or a promise of profit.