Oct 14, 2026

10 Cities Where Buying Beats Renting the Fastest in 2026

Buying a home can build wealth over time, but it doesn't always make financial sense right away.

According to a recent Zillow report, the typical household would need 8.5 years to save a 20% down payment on a median-priced home, then another 6.2 years before owning becomes cheaper than renting. That means it takes nearly 15 years, on average, for buying to come out ahead financially. For people who aren't planning to stay in one place that long, renting may be the better option.

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Fortunately, some housing markets offer a shorter path to homeownership gains. These 10 cities have the fastest timelines from saving for a down payment to breaking even on a home purchase.

1. Pittsburgh

Years to save a 20% down payment: 5.5
Years to stay to break even: 5.6
Total years: 11.1

2. Detroit

Years to save a 20% down payment: 6.6
Years to stay to break even: 4.9
Total years: 11.4

3. Indianapolis

Years to save a 20% down payment: 7.1
Years to stay to break even: 4.4
Total years: 11.5

4. Cincinnati

Years to save a 20% down payment: 7.4
Years to stay to break even: 4.8
Total years: 12.2

5. Atlanta

Years to save a 20% down payment: 7.8
Years to stay to break even: 5.3
Total years: 13.1

6. Cleveland

Years to save a 20% down payment: 7
Years to stay to break even: 6.1
Total years: 13.1

7. Houston

Years to save a 20% down payment: 7.1
Years to stay to break even: 6.1
Total years: 13.2

8. Columbus, Ohio

Years to save a 20% down payment: 8
Years to stay to break even: 5.5
Total years: 13.5

9. Charlotte, North Carolina

Years to save a 20% down payment: 8.5
Years to stay to break even: 5.9
Total years: 14.4

10. San Antonio

Years to save a 20% down payment: 6.7
Years to stay to break even: 7.8
Total years: 14.5

This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.

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Written by

Gabrielle Olya

Edited by

Brendan McGinley