{"id":3250,"date":"2020-11-03T05:00:55","date_gmt":"2020-11-03T11:00:55","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/rent-vs-buy-how-to-decide-whats-best-for-you\/"},"modified":"2020-11-03T05:00:55","modified_gmt":"2020-11-03T11:00:55","slug":"rent-vs-buy-how-to-decide-whats-best-for-you","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/rent-vs-buy-how-to-decide-whats-best-for-you\/","title":{"rendered":"Rent vs. Buy: How to Decide What\u2019s Best for You"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/11\/02123256\/20201103-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Rent vs. Buy: How to Decide What\u2019s Best for You | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>According to the <em>U.S.<\/em> <em>Census Bureau,<\/em> <a href=\"https:\/\/www.census.gov\/housing\/hvs\/files\/currenthvspress.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">median rent<\/a> continues to rise. With today\u2019s <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/28\/buyer-interest-is-growing-among-younger-generations\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">low mortgage rates<\/a>, there\u2019s great opportunity for current renters to make a move into homeownership that stretches each dollar a little bit further.<span id=\"more-43289\"><\/span><\/p>\n<p>While the best timeline to buy a home is different for everyone, the question remains: <strong>Should I continue renting or is it time for me to buy?<\/strong> The answer depends on your current situation and your future plans, so here are some thoughts to help you decide if you\u2019re ready to own a home of your own.<\/p>\n<h4><strong>1. Rent Will Continue to Increase<\/strong><\/h4>\n<p>This is one of the top reasons why renters decide to move because in most cases, rent will continue increasing each year. As noted above, the<em> U.S.<\/em> <em>Census Bureau <\/em>recently released its quarterly homeownership <a href=\"https:\/\/www.census.gov\/housing\/hvs\/files\/currenthvspress.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">report<\/a>, and as the graph below shows, median rent is climbing year after year. When you own a home, you\u2019ll lock in your monthly payment for the life of your loan, creating consistency and predictability in your payments.<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/11\/02123258\/20201103-MEM-Eng-1.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-43291\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/11\/02123258\/20201103-MEM-Eng-1.jpg?resize=650%2C488&#038;ssl=1\" alt=\"Rent vs. Buy: How to Decide What\u2019s Best for You | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<h4><strong>2. Freedom to Customize<\/strong><\/h4>\n<p>This is a big decision-making point for many people who want to be able to paint, renovate, and make home upgrades. In many cases, landlords determine all of these selections and prefer you do not alter them as a renter. As a homeowner, you have the freedom to decorate and personalize your home to truly make it your own.<\/p>\n<h4><strong>3. Privacy<\/strong><\/h4>\n<p>When renting, your landlord has access to your space in case of an emergency. If you own your home, however, you\u2019re the one to decide who can come inside. Given today\u2019s health concerns around the pandemic, this may be a growing priority for you.<\/p>\n<h4><strong>4. Flexibility for Relocation<\/strong><\/h4>\n<p>If you\u2019re renting, it may be easier to move quickly should you have a job transfer or simply decide it\u2019s time for a change. When you\u2019re a homeowner and need to sell your house, this might take a little more time. Today, however, with the housing market\u2019s <a href=\"https:\/\/www.keepingcurrentmatters.com\/2020\/10\/29\/three-ways-low-inventory-is-a-win-for-sellers\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">low inventory<\/a>, this may no longer be the case. Homes are selling at a <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/23\/selling-your-house-is-the-right-move-right-now-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">record-breaking<\/a> pace, so you may have more flexibility than you think.<\/p>\n<h4><strong>5. Building Equity<\/strong><\/h4>\n<p>When you pay your rent, your landlord earns the <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/02\/rising-home-equity-can-power-your-next-move-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">equity<\/a> the property gains. If you own your home, the benefits of your investment go directly toward your <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/26\/two-important-impacts-of-home-equity\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">net worth<\/a>. This is savings you\u2019ll be able to use in the future for things like sending children to college, starting a new business, buying a bigger home, or simply downsizing to save for retirement.<\/p>\n<h4><strong>6. Tax Advantages<\/strong><\/h4>\n<p>When you own your home, there are additional that work in your favor as well. You can deduct things like your property taxes and mortgage interest <em>(Always make sure you check with your accountant to see which tax-deductible benefits apply to your situation).<\/em> When you rent, however, the tax benefits are directed to your landlord.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>It\u2019s up to you to decide if you\u2019d prefer to <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/08\/28\/the-cost-of-renting-vs-buying-a-home-infographic-4\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">rent or buy<\/a>, and it\u2019s different for every person. If you\u2019d like to learn more about the pros and cons of each, as well as <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/27\/how-down-payment-assistance-opens-the-door-to-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">resources<\/a> to help you along the way, let\u2019s connect to discuss your options. This way, you can make a confident and informed decision with a trusted expert on your side.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to the U.S. Census Bureau, median rent continues to rise. With today\u2019s low mortgage rates, there\u2019s great opportunity for current renters to make a move into homeownership that stretches each dollar a little bit further. While the best timeline to buy a home is different for everyone, the question remains: Should I continue renting [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3251,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_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}},"categories":[1],"tags":[54],"class_list":{"0":"post-3250","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rent vs. Buy: How to Decide What\u2019s Best for You&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/rent-vs-buy-how-to-decide-whats-best-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rent vs. Buy: How to Decide What\u2019s Best for You&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"According to the U.S. Census Bureau, median rent continues to rise. 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