For the renter who isn't sure yet: what they'd be worth after renting versus owning — counting the down payment they could have invested, rising rent, appreciation, upkeep and the cost of selling. And the year buying pulls ahead.
Compares what each path leaves them worth: the owner's equity after selling costs, against the renter investing the down payment, closing costs and any monthly savings. Leaves out income-tax deductions (most Texas buyers take the standard deduction) and the homestead exemption. An estimate, not financial advice.