07/28/2026
🏡 Stop Renting? See the Numbers Before You Decide.
Is buying a home really more expensive than renting? Or is that one of the biggest financial myths out there?
In this quick video, I break down a real Owning vs. Renting Analysis for a $900,000 home purchase where the client is currently renting for $3050/month and explain exactly what each number means—including:
✅ Monthly mortgage payment
✅ Tax-adjusted payment
✅ Estimated tax savings
✅ Home appreciation
✅ Equity growth
✅ Break-even point
✅ Estimated net proceeds if you sell
Most people only compare a mortgage payment to monthly rent. But that’s only part of the story. Homeownership can help you build equity, benefit from appreciation, and potentially reduce your taxable income, while rent payments build wealth for your landlord instead of you.
Every buyer’s situation is different, which is why I create personalized Owning vs. Renting analyses based on your purchase price, down payment, interest rate, and financial goals.
📩 Curious whether buying or renting makes more sense for you? Send me a DM with the word “ANALYSIS”, and I’ll prepare a complimentary personalized report so you can make an informed decision.
I’m Erik Braceland, Broker/Owner of Braceland Homes, helping buyers throughout San Diego make confident real estate decisions with data—not guesswork.
👇 Have questions? Drop them in the comments!
