Rent vs. Buy: The Real Math They Don't Tell You

Rent vs. Buy: The Real Math They Don't Tell You Mortgage rates have climbed above 7.4%, the highest since November 2023. Should you buy, rent, or wait? Here are 3 realistic paths for the housing market and exactly what to do in each one. In this video you'll learn: The true monthly cost of owning a home (it's not just the mortgage) How to find your personal rent vs buy break-even number What buyers, renters and sellers should do if rates stay high, fall, or the economy takes a shock 📌 Timestamps / Chapters: 0:00 - The Real Cost of a Mortgage 0:50 - Why Homeownership is a 30-Year Debt 1:24 - Owning vs Renting: The True Monthly Math 2:55 - How to Calculate Your Break-Even 3:40 - Scenario 1: Rates Stay Around 7% 5:50 - Scenario 2: What Happens if Rates Drop? 7:21 - Scenario 3: What if the Market Breaks? 8:59 - 5-Point Buyer & Renter Checklist 9:50 - Conclusion & Final Thoughts SOURCES Freddie Mac Primary Mortgage Market Survey: freddiemac.com/pmms National Association of Realtors, Existing-Home Sales: nar.realtor S&P Cotality Case-Shiller Home Price Index: spglobal.com Mortgage Bankers Association, National Delinquency Survey: mba.org NAHB/Wells Fargo Housing Market Index: nahb.org Zillow rent vs buy breakeven study: zillow.com Federal Reserve FOMC statements: federalreserve.gov NOTES The 7.4% rate is Freddie Mac's average 30-year fixed rate from its October 8, 2026 survey. Rates change every week, so check the latest figure before you decide. The payment examples use a $360,000 loan over 30 years at 7.4% and 6%. They are round example numbers to show the method, not market data or a quote. Music: [TRACK NAME] by [ARTIST], from [SOURCE] Subscribe to Finroot Capital for clear, data-driven finance explained in plain English. Disclaimer: This video is for educational and informational purposes only. It is not financial, investment, tax or legal advice. Please consult a licensed professional before making financial decisions. #HousingMarket #MortgageRates #PersonalFinance