Sybil Kline rents a home for $970 a month. Her other annual expenses of renting total $1,305. If she buys the home, her estimated yearly expenses would be mortgage interest, $5,100; property taxes, $1,890; depreciation, $2,400; maintenance, $1,100; insurance, $479; utilities, $1,470; and lost interest income, $1,020. She would save $1,536 in income taxes. Are her net annual costs of housing lower by renting or buying? How much is saved? (Put a comma and space between answers.)