RigPrice.

Buy vs rent

Given a model and your monthly usage, when does buying used hardware beat renting a cloud GPU? The verdict comes only from the formula below, and both paths get equal billing. Hardware costs use listings that passed our trust screen (screened, not guaranteed).

Popular models at default assumptions

Defaults: 40 h/mo · $0.16/kWh · 24-month horizon · resale at 65% of the going rate.

Qwen3.8 27B (Q4_K_M, needs 19.29 GB VRAM, or 17.96 GB at a small 4k context)

Renting wins at 40 h/mo (breakeven ≈ 138 months, beyond the 24-month horizon).

Buy hardware

$945

1× AMD Radeon RX 7900 XTX: 24 GB VRAM, ~430 W system

Est. resale
− $650
Net hardware cost
$295
Power at $0.16/kWh
$0.069/hr

used · 264 feedback · 100% positive · returns accepted · listed 7d

Screened, not guaranteed. Eligible purchases are covered by the eBay Money Back Guarantee.

Rent cloud

$0.122/hr

Vast.ai: cheapest offer fitting 19.29 GB (rtx-3090 class, on-demand)

40 h/mo
$4.89/mo
Total over 24 months
$117

Cloud prices checked 2026-09-09. Storage/egress excluded.

Qwen3.6 27B (Q4_K_M, needs 20.88 GB VRAM, or 19.48 GB at a small 4k context)

Renting wins at 40 h/mo (breakeven ≈ 138 months, beyond the 24-month horizon).

Buy hardware

$945

1× AMD Radeon RX 7900 XTX: 24 GB VRAM, ~430 W system

Est. resale
− $650
Net hardware cost
$295
Power at $0.16/kWh
$0.069/hr

used · 264 feedback · 100% positive · returns accepted · listed 7d

Screened, not guaranteed. Eligible purchases are covered by the eBay Money Back Guarantee.

Rent cloud

$0.122/hr

Vast.ai: cheapest offer fitting 20.88 GB (rtx-3090 class, on-demand)

40 h/mo
$4.89/mo
Total over 24 months
$117

Cloud prices checked 2026-09-09. Storage/egress excluded.

Qwen3.6 35B-A3B (Q4_K_M, needs 25.41 GB VRAM, or 23.79 GB at a small 4k context)

Renting wins at 40 h/mo (breakeven ≈ 28 months, beyond the 24-month horizon).

Buy hardware

$945

1× AMD Radeon RX 7900 XTX: 24 GB VRAM, ~430 W system

Runs with a small context window (about 4k): fine for chat, tight for long documents. Step down a quant for more room.

Est. resale
− $650
Net hardware cost
$295
Power at $0.16/kWh
$0.069/hr

used · 264 feedback · 100% positive · returns accepted · listed 7d

Screened, not guaranteed. Eligible purchases are covered by the eBay Money Back Guarantee.

Rent cloud

$0.33/hr

RunPod: cheapest offer fitting 25.41 GB (rtx-a6000 class, on-demand)

40 h/mo
$13.2/mo
Total over 24 months
$317

Cloud prices checked 2026-09-09. Storage/egress excluded.

Assumptions behind these numbers (from the data export, verbatim)
assumptions.resale_fraction
0.65
assumptions.kwh_price
0.16
assumptions.hours_per_month
40
assumptions.horizon_months
24
assumptions.power_model
power_per_hr = est_system_watts / 1000 * kwh_price
assumptions.excluded_costs
cloud storage/egress excluded
assumptions.hw_cost_basis
sum of the gpu_count cheapest active buy_pick listings of any condition bucket (a screened open-box, refurb or new card cheaper than every used one is the price); a config whose GPU has fewer screened listings than it needs is left unpriced
assumptions.resale_basis
resale_fraction x current used median_ask x gpu_count (resale stays used-based whatever bucket the card was bought from)
assumptions.bandwidth_utilization
0.5
assumptions.speed_model
est_toks_per_s = mem_bandwidth_gbps x bandwidth_utilization / (file_gb x active_params_b / params_b); per-card bandwidth (layer-split decode is sequential), spec-sheet numbers, estimate not benchmark
assumptions.recommend_rule
three personas from the first priced quant, caveat/cooling-mod cards never win: cheapest = lowest cost clean config (tight fits and multi-GPU allowed); easiest = cheapest comfortable single clean card at >= 10 est tok/s, NVIDIA preferred, with fastest/multi-GPU fallbacks; fastest = highest est tok/s among comfortable fits, ties to cheaper
assumptions.tight_fit_basis
min_vram_tight_gb = file_gb + ~1.5 GB (about 4k context with a quantized KV cache); configs between the tight and comfortable bars publish as tight_fit