Owning beats renting in 57% of U.S. counties—but upfront costs still block buyers.
Wages grew faster than shelter costs in most places—relief for buyers possible.
Hidden costs like taxes, repairs, HOA, insurance add ~$16K/year per homeowner.
Fewer rental units, stricter density rules tilt affordability toward homeownership.
Forecast: Home prices expected +3–5% nationally in 2026, rents +2–3%.
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