{"id":274804,"date":"2026-05-18T04:51:53","date_gmt":"2026-05-18T04:51:53","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-fl\/274804\/"},"modified":"2026-05-18T04:51:53","modified_gmt":"2026-05-18T04:51:53","slug":"study-buying-may-outpace-renting-in-florida","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-fl\/274804\/","title":{"rendered":"Study: Buying may outpace renting in Florida"},"content":{"rendered":"<p>A 10-year rent-vs.-buy analysis found projected homeowner equity topped renter investment returns in five Florida markets, led by Miami.<\/p>\n<p>Buying in Florida may offer a long-term wealth advantage over renting in several major markets, even when renters invest the money they would have spent on ownership, according to a new analysis.<\/p>\n<p>AD Mortgage\u2019s 2026 <a href=\"https:\/\/admortgage.com\/wp-content\/uploads\/The-10-Year-Rent-vs-Buy-Wealth-Study-by-AD-Morgage.pdf\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">\u201c10-Year Rent vs. Buy Wealth Study\u201d<\/a> compared projected 10-year outcomes for homeowners and renters in 250 U.S. cities. The study measured homeowner equity against renter investment returns, assuming renters invested the down payment and monthly savings in the S&amp;P 500.<\/p>\n<p>In the five Florida markets included in the study, projected homeowner equity outpaced renter investment returns by about $275,000 to more than $509,000.<\/p>\n<p>Miami showed the largest Florida gap. The study projects a typical Miami buyer could build about $1.04 million in equity over 10 years, compared with about $534,000 for a renter who invests instead. That represents an ownership advantage of about $509,000.<\/p>\n<p>Other Florida markets also favored buying over a 10-year period. St. Petersburg showed a projected homeowner advantage of $361,852, followed by Tampa at $340,562, Orlando at $317,027 and Jacksonville at $275,256.<\/p>\n<p>For Realtors in Florida, the study offers a useful way to discuss the long-term tradeoffs between buying and renting. Monthly payments, insurance, taxes and upfront costs remain major barriers for many buyers, and ownership is not the right financial move for everyone.<\/p>\n<p>But the analysis shows how appreciation and loan paydown can change the equation over time, particularly in high-growth Florida markets. For buyers who are financially ready and plan to stay put long enough, the long-term wealth case for ownership may still be strong.<\/p>\n<p>\u00a9 2026 Florida Realtors\u00ae<\/p>\n","protected":false},"excerpt":{"rendered":"A 10-year rent-vs.-buy analysis found projected homeowner equity topped renter investment returns in five Florida markets, led by&hellip;\n","protected":false},"author":2,"featured_media":274805,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[28,30,29],"class_list":["post-274804","post","type-post","status-publish","format-standard","has-post-thumbnail","category-florida","tag-florida","tag-florida-headlines","tag-florida-news"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/274804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/comments?post=274804"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/274804\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media\/274805"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media?parent=274804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/categories?post=274804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/tags?post=274804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}