Introduction
With rising interest rates and record home prices, many are asking: “Should I keep renting or try to buy?” The truth is, there’s no one-size-fits-all answer—but here’s how to make the smartest decision for your situation.
The Case for Renting
✅ Lower upfront costs
✅ Flexibility to move
✅ No maintenance responsibilities
✅ Sometimes cheaper month-to-month (especially in high-rate environments)
The Case for Buying
✅ Build equity over time
✅ Lock in a fixed monthly payment
✅ Tax deductions on interest and property taxes
✅ Home appreciation = long-term wealth
What to Consider in 2025
- Interest rates: Hovering around 6–7%
- Home appreciation: Slowing but still positive
- Rental costs: Up 5–8% YoY in many cities
- Down payment savings: Still a hurdle for many
Quick Math Example
Rent: $2,200/month
Buy: $400K home, 7% interest = ~$3,100/month all-in
➡️ If you plan to stay 5+ years, buying usually wins
➡️ Less than 3 years? Renting might be smarter
Final Thoughts
Buying builds wealth, but renting buys flexibility. We can help you run the numbers, explore neighborhoods, and plan a path—no pressure either way.
💡 Want a free “Rent vs Buy” analysis? [Request one here]
