It depends on your situation:
Buy if: Staying 5+ years, stable income, have 10-20% down payment, housing costs under 28% of income.
Rent if: Might move in 3-5 years, prefer flexibility, home prices overvalued in your area.
Quick rule (5% rule): Home price × 5% ÷ 12 = monthly breakeven. If rent is less than this, renting wins financially.
Full comparison: Rent vs Buy Guide
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