The Short Version
This claim is false. Owning a home is not "always" financially better than renting. Multiple credible sources show that the outcome depends on time horizon, local housing markets, interest rates, and the opportunity cost of a down payment. As of mid-2025, First American's analysis found renting made more financial sense nationally and in most U.S. markets—even after accounting for equity gains. Short holding periods, high mortgage rates, and steep transaction costs can all make renting the better financial choice.