Buy, rent, or bring your own: how to choose a router from your internet provider
Internet providers often rent out modem/router combos for $10 to $20 a month, but buying or supplying your own equipment frequently pays off in the long run. The right choice depends on how long you plan to stay with a provider and how much control you want over your network.
When signing up for home internet service, providers typically offer a modem and router combo as part of the deal. Historically, this gateway has been rented out for an extra $10 to $20 added to the monthly bill, though some providers also let customers buy the hardware outright or use their own equipment.
The case for renting
Renting is the simplest option, since there's no upfront cost and the equipment fee is folded into the monthly bill. A technician typically sets up and tests the connection, and providers often upgrade rented gateways to newer models every few years. The downside is the recurring cost, which continues for as long as the service is active and can rise over time. Switching providers means leaving the rented box behind, and standard equipment often lacks the latest Wi-Fi features or advanced controls.
The case for buying
If a gateway costs around $200 and renting costs $20 a month, buying breaks even after about 10 months — a worthwhile trade given that most promotional plans last at least a year. Choosing a separate modem and router allows for more tailored equipment, including newer Wi-Fi standards, parental controls, or a mesh system for larger homes. Owned equipment can move with the customer to a new provider and be upgraded whenever desired, rather than on the provider's schedule. Owning the hardware also offers more privacy, since provider-supplied gateways are often configured to allow remote technician access.
Many providers now include equipment for free
A growing number of providers, including Verizon Fios and Xfinity, now bundle the gateway into the plan price at no extra charge, while still allowing customers to use their own equipment if preferred. For providers that do charge for hardware, the better choice depends on how long the service will be used. A mid-range modem and router combination costing around $275 typically breaks even after about 18 months compared with a $15 monthly rental fee.
