Rent vs. Buy: What the Numbers Say
What If the Rent vs. Buy Debate Isn’t About Who’s Right But What Stage You’re In?
Renting isn’t wrong. In fact, for many, it’s the right move at the right time. But at some point, the conversation shifts not because rent is “bad,” but because ownership offers a different kind of protection.
As the cost of living rises and the value of money gradually declines, buying becomes more than just an investment strategy; it becomes a way to stabilize your future. Like insurance, a mortgage isn’t just about the present monthly cost. It’s about shielding yourself from future volatility and locking in a form of financial shelter that can’t be taken away with a lease expiration notice.
So the real question isn’t whether buying is better than renting, it’s whether it’s the right time for you to stop renting and start building.
Real Math: 5-Year Comparison
https://housesinsocal.com/wp-admin/upload.php?item=22091
Renting
- Monthly Rent: $3,400
- Annual Increase: 5%
- 5-Year Total: $224,562
Buying
- Purchase Price: $720,000
- Down Payment: 5% ($36,000)
- Monthly Cost (all-in): $5,735
- 5-Year Total: $344,100
- Estimated Equity Built: ~$97,000
- Net Cost After Equity: $232,100
Graph: 5-Year Financial Comparison
https://housesinsocal.com/wp-admin/upload.php?item=22091
Who Should Rent?
- Plan to move within 2–3 years
- Need flexibility
- Minimal upfront cash
Who Should Buy?
- Planning to stay 5+ years
- Want equity growth
- Stable income & credit
Still not sure?
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