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Buying a Home Is Cheaper Than Renting in 57% of Counties—Here's the Catch

January 30, 2026

Homeownership is cheaper than renting in 57% of U.S. counties, especially in the Midwest and South, but high upfront costs keep many renters from buying. Costs like inspection fees, taxes, and maintenance add nearly $16,000 annually to ownership expenses. Rising home prices outpace rent increases in most counties, with many spending over a third of income on housing. Wage growth generally outpaces shelter costs, easing affordability pressures.

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