Is Buying a Home Still Worth It in 2026? The 14.7-Year Reality

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Is buying a home still the best financial move for Americans? For many people, home ownership is still a major long-term goal, but new analysis shows that getting there and actually coming out financially ahead can take much longer than many buyers expect. A typical US household saving 10% of median income could need about 8.5 years just to save a 20% down payment on a typical single family home. And after buying, it could take another 6.2 years to reach the financial break even point compared with renting. That creates a combined timeline of roughly 14.7 years. But the story changes dramatica