Скачать или смотреть Should You Rent or Buy? 2025 Housing Market Explained (Mortgage Rates, Real Math)

Should you rent or buy right now? In this beginner-friendly breakdown, we explain the 2025 housing market in plain English and show how mortgage rates and real math (not hype) drive the decision. You’ll get a simple 7-variable checklist, a 60-second rent or buy calculator, and examples from different cities so you can compare mortgage rates vs. total owning costs. We’ll also cover maintenance, taxes, PMI, HOA, and the opportunity cost most buyers forget—using real math you can do on a napkin. If you’re a first-time home buyer navigating the 2025 housing market, this guide keeps you calm and confident.

What you’ll learn:
• How the 2025 housing market changes the rent or buy math
• Why mortgage rates matter more than most headlines admit
• The full monthly owner cost (principal + interest + taxes + insurance + HOA + PMI)
• Maintenance & big repairs (CapEx) most people skip
• Time horizon & breakeven (why 5–7 years matters)
• Opportunity cost of your down payment (with real math)
• A 7-day action plan to decide rent or buy without stress

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