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Amazingly, this article was being linked to by a number of reputable blogs apparently ones who havent actually done the research and investigated the real scoop behind the issues in the housing market. First of all, the problems in the housing market are not due to home ownership. Theyre due to lenders lending out ridiculous amounts of money to borrowers who couldnt afford it, and borrowers agreeing to loans far beyond their realistic level to pay. That has nothing to do with the value of home ownership it has to do with greed, both on the part of the lenders and the borrowers. Im going to deconstruct this article carefully for you guys, so that theres a clear point counterpoint to the major issues raised in this article. Im not stating that the original article is strictly wrong, but that it presents an extremely one sided viewpoint that deserves some counterbalance. Buyers throw their money away for the first five years they own a home, because they simply give money to the bank for the privilege of borrowing money. Renters, on the other hand, pay for one thing every month shelter. They dont pay interest to the bank, property taxes or maintenance fees. They pay rent. First of all, buyers are not throwing their money away for the first five years of home ownership. Their monthly payments do consist of primarily interest on their mortgage, but a portion of that payment goes towards the value of the home itself, and that portion grows larger with each payment. Second, buyers have the option of making additional mortgage payments. These payments go wholly against the principal and make a dramatic difference in the interest paid over the life of a mortgage. Even 1. 00 extra a month not only shaves years off of the repayment period, it also goes straight towards the value of your home. Third, the first five years period is the only period where there is a perceived advantage in renting over homeownership. After that, the dual forces of progress on the payments plus the progress of rental inflation swing the advantage around towards the homeowners but well talk about that later. Smart renters also take the money they save by renting and invest it somewhere else. Since the average renter saves hundreds of dollars every month, they can afford to invest in stocks, bonds and other vehicles that have a better rate of return. Thats nice, in theory, but people in rental situations rarely do this and if they do, its so they can make a down payment on a home. Lets look at reality the savings rate in America is negative, yet this article is using the argument that people might save and invest as a reason why rentals are more cost effective They might be more cost effective for someone with their financial head on straight, but those people are homeowners who see the long term losing strategy that is renting. Contrary to popular belief, buyers do not get back the mortgage interest they paid throughout the year at tax time. Mortgage interest can only be deducted from taxable income. This essentially means that buyers pay a dollar just to save 3. Furthermore, deducting interest has no tax advantage unless a buyer pays so much in interest that the amount exceeds the standard deduction that everyoneincluding rentersis allowed to take. For most people, income tax deductions arent a consideration when buying. Theyre merely a perk if you qualify for them. In my area of the country, very few homeowners would even qualify for any deduction when it comes to their homes, and even in expensive areas, the deduction amount is seen as a perk because the tax rules including the standard deduction amount is subject to change. When it comes to owning, the only guarantee is that buyers will be required to pay property taxes. Since renters are not required to pay any taxes on the property they rent, it seems downright foolish to factor the tax benefits of owning into a buying decision. You do in fact pay property taxes when you rent property taxes are a part of the calculation that comes up with the amount of rent youre charged. Just because you dont see the bill doesnt mean that it does not exist. When a person buys a home, the money that is paid upfront is more significant and may or may not be seen again. For example, a buyer must pay closing costs typically five percent of the loan amount and real estate agent commission typically six percent of the loan amount before being called a homeowner. This 1. 1 percent investment ensures that the home must appreciate by at least 1. These costs mentioned above, in most modern homeowner transactions particularly in a buyers market, are paid for by the seller, not the buyer. We did not pay a dime of any of these when we bought our house and the price we paid was roughly equal to the assessed value. Even in a sellers market, the real estate agent commission is covered by the seller and, while some of that is figured into the price of the home, the market in an area will end up being the factor that determines the value of the home, not the commission. Initial costs aside, there are also other costs a buyer is responsible for that a renter is not, such as mortgage interest, property taxes, insurance and maintenance. These costs can add up and may even increase significantly over the years. Unless youre living in an extremely run down area and enjoy living in slovenliness, there are maintenance costs for renting, too. Also, any rational renter will purchase renters insurance in order to protect the value of their property the same logic by which a homeowner would purchase homeowners insurance. Plus, renters also have to actually pay the rent, which is akin to the mortgage interest discussed above. At best, buyers have depreciating assets. Home prices are falling in nearly every area of the country. An estimated 5. 0 percent of the buyers whose loans were originated after 2. Homeowners who have been paying on their homes for ten years or more are seeing their equity disappear. This means that the investment they made through mortgage payments is gonedried up virtually overnight through no fault of their own. This would be true if we were going through the Great Depression, but its not. Depreciation in even the worst markets in the country is scarcely up to 2. In fact, based on home sales in my area, prices have held steady or perhaps gone up slightly in the last year. In other words, if you pay attention only to a handful of overheated housing markets, the quoted statement might have some semblance of truth, but once you open your eyes a bit and look at the nation outside of these markets, its not as bad as doomsayers want you to think. Renters may not co own a home with a lender, but this doesnt mean that they dont have assets. Many renters have a large and prosperous portfolio, Star Wars collectibles just an example and other assets that can be sold IMMEDIATELY for cash. The reason they own these things is because they havent been paying a lender to rent money so that they could pretend like they own an asset. Im actually scratching my head here as to what the point is, honestly. First of all, there seems to be some sort of implication that a renter is better off because they may have assets of some sort, which apparently include Star Wars collectibles.