this post was submitted on 07 Sep 2025
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It depends on the market. Around here is similar, the market rental rate for a house is lower than what even the most lowest realistic monthly mortgage payment would be, but only by about 10% or so. I don't know if you also dramatically upgraded your home quality.
Not too long ago around here it was the same as the post, renting higher than mortgage.
Even then over long term, the mortgage would make sense, since you can sell and get back some of the money and your principal and interest won't magically get bigger because of market conditions.
In a sane world renting should be a touch cheaper than mortgage over the first few years, with tenants that only plan to be there 2 or three years. The owner gets a little income while taxes and insurance get paid and their asset maintained, and the tenant gets an easier and cheaper house to move in and out of for a short term living arrangement. Problem being when the market is upside down and when tenants are stuck never being able to build equity.