this post was submitted on 07 Sep 2025
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The cost of owning is significantly less than renting over the life of the unit. Repairs happen, but most of the time they aren't time critical, so you can budget out the repairs over months.
Unless the house was old when you bought it, you aren't going out of pocket on any big purchases inside the first years of ownership.
Idk where you live, but most states limit the rate at which an acessor can raise your housing price. In Texas, the cap is 10%. So your property taxes can rise, but the won't double overnight.
You can also contest the increase. Harris has been fairly receptive to a simple "my neighbor's house sold for X so my house should be worth about X, not X+20%"
The cost of owning vs renting can be very different depending on where you live and work and the amenities you want access to. Renting somewhere centrally located with good access to high quality transit and other amenities would likely be cheaper than owning. Unless we can start normalizing owning apartments again. You could own for cheaper on the outskirts of downtown, but you'll likely be sacraficing access to some amenities by doing so.
I'd need to see an example. I've never heard of a place that was cheaper to rent than own after five years. The break point on rentals tend to be short term stays, and mostly because of the cost of real estate transactions themselves.
For public housing it can be cheaper. But that's never going to be a centrally located high-rise.