[ternaryoperator]

This doesn't take into account that you need to live somewhere.

If you spend $2K on rent (which gets no return) and put $1K into the SPY500 every month or put all $3K into your house, you will be far, far ahead with real estate.

[hintklb]

I don't know why you think this is not taken into account by those calculator. They obviously include the cost of rent for a similar place...