Homeowner vs. Renter Net Worth (2025): Why Owning Builds Wealth | The Listing Team at RESF

Homeowner vs. Renter Net Worth (2025): Why Owning Builds Wealth | The Listing Team at RESF

Homeowner vs. Renter Net Worth (2025): Why Owning Builds Wealth

By Scott Lehr, PA — Updated October 13, 2025 • South Florida

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Owning isn’t just about a roof—it’s about wealth. In Broward County, monthly payments build equity while values generally rise over time. Renters don’t capture either benefit.

Why Ownership Wins Over Time

1) Equity From Every Payment

Each principal payment increases your net worth. Rent does not.

2) Appreciation Works for You

When prices climb, owners gain. South Florida’s long-run trend has rewarded patient owners.

3) Fixed-Cost Stability

With a fixed-rate loan, your principal & interest stay steady while rents can jump.

4) Leverage

A reasonable down payment controls a larger asset—growth compounds on the full home value.

Local “Rent vs. Buy” Reality Check

Thinking of Buying? Start Here

Step 1: Get Prepped

Download our free checklists inside Downloads to map budget, loan types, and must-haves.

Step 2: Compare “Rent vs. Own” in Your Zip

We’ll show you realistic PITI vs. rent projections by neighborhood, then line up the right homes to tour.

Step 3: Make Equity Your Goal

Target properties where small upgrades can boost value quickly. When you’re ready to move, you’ll already be ahead.

Already Own? Maximize Your Equity

Curious about your current value? Try our quick estimate tools:

Talk to a Fort Lauderdale Real Estate Agent

Scott Lehr, PA
Team Leader, The Listing Team at RESF • 954-342-6180
scott@reallistingagent.com

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