{"id":9727,"date":"2026-06-28T14:00:00","date_gmt":"2026-06-28T21:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/?p=9727"},"modified":"2026-06-28T14:00:00","modified_gmt":"2026-06-28T21:00:00","slug":"deciding-whether-to-rent-or-buy-buying-a-house-can-pay-off-sooner-than-renting-in-these-markets","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/deciding-whether-to-rent-or-buy-buying-a-house-can-pay-off-sooner-than-renting-in-these-markets\/","title":{"rendered":"Deciding Whether To Rent Or Buy? Buying A House Can Pay Off Sooner Than Renting In These Markets"},"content":{"rendered":"
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Homebuyers making a 20% down payment can gain about $427,000 more than renters over 30 years, with break-even points varying by city. Some Midwest and Southern cities have break-even times under five years, while West Coast cities like Portland and San Diego take 16 to 23 years. Renting may be better in markets with long break-even periods or for those seeking flexibility. Comparing mortgage lenders and improving credit can help secure better loan terms.<\/p>\n

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Homebuyers making a 20% down payment can gain about $427,000 more than renters over 30 years, with break-even points varying by city. Some Midwest and Southern cities have break-even times under five years, while West Coast cities like Portland and San Diego take 16 to 23 years. Renting may be better in markets with long […]<\/p>\n","protected":false},"author":1,"featured_media":9728,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2wT","jetpack-related-posts":[{"id":8578,"url":"https:\/\/lisamillerpllc.com\/staging\/buying-vs-renting-in-phoenix-income-gap-keeps-growing\/","url_meta":{"origin":9727,"position":0},"title":"Buying vs. Renting in Phoenix: Income Gap Keeps Growing","author":"admin","date":"July 7, 2025","format":false,"excerpt":"A recent analysis shows US homebuyers now need to earn ~$116K, 82% more than renters, to afford a median-priced home. The affordability gap has quadrupled since 2021, driven by rising home prices and mortgage rates, while rents remain mostly flat. The income gap is especially stark in cities like Phoenix,\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/07\/renting-buying-phoenix_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":8620,"url":"https:\/\/lisamillerpllc.com\/staging\/renting-vs-buying-us-cities-where-renters-save-the-most\/","url_meta":{"origin":9727,"position":1},"title":"Renting vs. Buying: US Cities Where Renters Save the Most","author":"admin","date":"August 1, 2025","format":false,"excerpt":"Renting remains more cost-effective than buying in most U.S. cities, with average monthly savings of $908, except in Pittsburgh where buying is cheaper. Memphis shifted to favor renting due to high investor activity. Austin leads as the most renter-friendly market, with declining rents from increased rental supply. Cities like Los\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8759,"url":"https:\/\/lisamillerpllc.com\/staging\/price-to-rent-ratio-in-52-cities\/","url_meta":{"origin":9727,"position":2},"title":"Price-to-rent ratio in 52 cities","author":"admin","date":"September 7, 2025","format":false,"excerpt":"The price-to-rent ratio helps determine if buying or renting is more affordable in a city by dividing median home price by annual rent. Ratios below 18 favor buying; above 18 favor renting. Cities like San Jose (45) and San Francisco (36) have high ratios, making renting more cost-effective, while Detroit\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9755,"url":"https:\/\/lisamillerpllc.com\/staging\/us-starter-homes-cross-1m-mark\/","url_meta":{"origin":9727,"position":3},"title":"US Starter Homes Cross $1M Mark","author":"admin","date":"July 8, 2026","format":false,"excerpt":"A Real Estate portal counted 242 US cities where starter homes now top $1M, compared with 226 in the yearly comparison period. The $1M-starter-home footprint is >3x its Early-Q1 2020 level, and >half of US states now include at least one such city overall. Pandemic-era price gains followed limited supply,\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/07\/expensive-starter-homes_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":8788,"url":"https:\/\/lisamillerpllc.com\/staging\/price-to-rent-ratios-across-52-cities\/","url_meta":{"origin":9727,"position":4},"title":"Price-to-rent ratios across 52 cities","author":"admin","date":"September 20, 2025","format":false,"excerpt":"The price-to-rent ratio helps determine if buying or renting is more affordable in a city by dividing median home price by annual rent. Ratios below 18 favor buying; above 18 favor renting. In 52 U.S. cities, ratios vary widely, with places like San Jose at 45 and Detroit near 8.\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8850,"url":"https:\/\/lisamillerpllc.com\/staging\/heres-how-tough-renting-in-phoenix-is-this-peak-moving-season\/","url_meta":{"origin":9727,"position":5},"title":"Here’s how tough renting in Phoenix is this peak moving season","author":"admin","date":"October 18, 2025","format":false,"excerpt":"Phoenix saw a slight drop in occupancy rate to 8% vacancy, with 8 applicants per vacant apartment and a 43-day lease fill time. Lease renewals rose to 57.7%. Construction increased by 1.7%, ranking fourth nationally. Chicago and Miami are the toughest markets, with 16 and 19 applicants per unit, respectively.\u2026","rel":"","context":"In "News"","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/06\/1-11.jpg?fit=1080%2C1080&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9727"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9727\/revisions"}],"predecessor-version":[{"id":9729,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9727\/revisions\/9729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9728"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}