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MarketWatch

Here’s where it takes new homeowners almost 40 to 50 years to break even on buying a house

Tuesday, August 25, 2026


In certain real estate markets, the time required for a homeowner to recover their down payment, closing costs, and mortgage interest through home equity gains extends to 40 to 50 years, according to analysis of housing data. Renting a home while investing the difference in savings or securities can accumulate greater wealth over the same period in these markets, depending on local home prices, rental rates, and investment returns. The analysis did not identify which specific markets show this pattern.

Original reporting: https://www.marketwatch.com/story/heres-where-it-takes-new-homeowners-almost-40-to-50-years-to-break-even-on-buying-a-house-c503cb50?mod=mw_rss_topstories

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