Why Buying a Home in Florida is Better than Renting.

Discover the Benefits of Homeownership Over Renting with Carly , United Real Estate Gallery, and Cameron Will, Florida Home Loans.

Carly Pilarczyk # 2x2in Head Shots

Carly Pilarczyk

Realtor, License 3284614
Phone: (904) 305-7720
Email: carlypilarczyk@propertyinjax.com
United Real Estate Gallery
CaW O 2x2in Head Shots FHL #

Cameron Will

Business Development/Loan Partner
Phone: (407) 712-3955
Email: Cameron@floridahl.com
Florida Home Loans

If you are putting off a home purchase because your rent may be lower than a mortgage payment, here’s a chance to offer a different perspective. 

Click to jump to our “Rent vs Own Calculator.”

If you're choosing between renting and owning, it's important to look past the monthly payment.

Renting is sometimes (not always) cheaper by the month. Over time, though, the benefits of owning typically make a purchase a much better deal.

Our Renting vs Owning Calculator will show you how the costs and benefits might compare for your scenario. If you have questions about the numbers you see or would like to get started on your purchase, please reach out. I'll be happy to help!


Don’t wait to start building your future. Contact Carly and Cameron today to explore your home buying options, calculate your mortgage, and take the first step toward owning your dream home. With our expert guidance and personalized service, your path to homeownership begins here.


Should you keep renting or is it time to buy?

Use our complimentary simulator to find out how much house you can afford based on the current rent you pay each month.  Enjoy and reach out to us if you have any questions!

Our 7 Reasons to Buy versus Rent.

Click the circles to read our reasonings.

Why Buy?

Buying a home can be one of the most significant financial decisions you'll make in your lifetime. Unlike renting, which provides no return on your monthly payments, purchasing a home builds equity over time. Every mortgage payment you make is an investment in your future, adding to your net worth and creating a tangible asset that can appreciate in value.

Build Equity

When you rent, your money goes directly to your landlord, helping them build their wealth. In contrast, owning a home allows you to build equity, which is the difference between what you owe on your mortgage and what your home is worth. Over time, as you pay down your mortgage and as your home's value increases, your equity grows, providing you with a valuable financial resource.

Stable Payments

One of the most significant advantages of homeownership is the stability it offers. With a fixed-rate mortgage, your monthly payments remain consistent over the life of the loan. In contrast, rent prices can increase year after year, making it harder to budget and save. Homeownership provides financial predictability and peace of mind, shielding you from the uncertainties of the rental market.

Tax Advantages

Owning a home comes with several tax benefits that renters do not enjoy. Homeowners can deduct mortgage interest and property taxes from their income taxes, potentially saving thousands of dollars each year. These tax incentives can make owning a home more affordable than renting in the long run.


When you own your home, you have the freedom to make it your own. Want to paint the walls, remodel the kitchen, or plant a garden? Homeownership allows you to customize your living space to suit your tastes and needs without needing landlord approval. This level of control and personalization can greatly enhance your quality of life.


Real estate is historically a sound long-term investment. While markets can fluctuate, the value of real estate tends to increase over time. By purchasing a home, you're not only providing a place for you and your family to live but also investing in an asset that can grow in value, providing financial security for the future.

Time to Buy

Florida's real estate market is robust, with a growing population and a strong economy. Interest rates are currently favorable, making it an excellent time to secure a mortgage with affordable monthly payments. Additionally, Florida offers a variety of beautiful and diverse locations, from bustling cities to tranquil beach towns, ensuring you'll find the perfect place to call home.