Housing guides

Make smarter housing decisions

Plain-English explanations of the biggest financial questions in homebuying, mortgages, and ownership — each paired with a calculator to run your real numbers.

housing guides

6.8%

avg. 30-yr rate (2026)

6–8 yrs

national break-even

Featured guide

Is 2026 a good time to buy a house?

With rates at 6.5–7%, the rent vs. buy math has shifted significantly. Here's what the numbers actually say — and what they don't.

8 min read

Updated June 2026

Uses Rent vs. Buy Calculator

Read the guide

All housing guides

Average break-even point by US city (2026)

National averages say 6–8 years. But some cities favor buying in 3–4 years while others take 14+. Find where your city lands.

6 min read

Rent vs. Buy Calculator

What does a 30-year mortgage really cost?

The monthly payment is the start. Here's the full picture — interest, taxes, insurance, and maintenance over three decades.

7 min read

Affordability Calculator

First-time homebuyer mistakes to avoid

The most expensive errors happen before you make an offer. What experienced buyers wish they'd known the first time.

9 min read

Affordability Calculator

How to read a mortgage rate quote

APR vs. interest rate, points, fees, and rate locks. What each number means — and which ones actually matter.

5 min read

Refinance Calculator

How PMI works — and when you can drop it

PMI adds to your payment but isn't permanent. Exactly what it costs, why it exists, and the fastest ways to eliminate it.

5 min read

Affordability Calculator