The Big Difference Between Renter and Homeowner Net Worth If you’re torn between renting or buying, don’t forget to factor in the wealth-building power of homeownership. Renting vs. Buying: The Net Worth Gap You Need To See Trying to decide between renting or buying a home? Buying Beats Renting in These Top Cities Based on a recent study, in 22 of the top 50 metros, the monthly mortgage payment is lower than the rent payment.