Choose Roots Over Renting This Year
New Hopes for a New Year
Now is the time to pause.
After the holiday season, it’s almost as if the whole world takes a deep breath to reflect on the past year and dream about what may lie ahead. Chances are, you’ve spent a little time thinking about the coming year, what it may bring, and what you hope to experience during the next twelve months.
If you shift your perspective in just a few key areas, 2026 could be the year you start building a legacy for future generations. Let this month be the month you start thinking differently about your home, your future, and how your family approaches countless new years to come.
The Cost of Staying Temporary
Renting Feels Simple at First
Putting down roots means more than owning a house. It means stability, stewardship, and building something that can last beyond a single season.
Because of rising mortgage rates and inflation, nearly 35% of Americans currently rent their homes. It’s no surprise. Renting often feels simple. You find a house for lease in the right area, you prove your income, and you move in.
The Hidden Strain of Long-Term Renting
But over time, that simplicity can come at a cost. Renting long term can strain finances and keep families living in transition rather than building something lasting.
Renting a home may be a helpful way to live independently for a short season. Purchasing a home, however, creates a different kind of foundation.
What Stability Makes Possible
Homeownership builds financial security for you and your family. Inherited properties give second and third generations an easier financial start in life, and the “forced savings” of a monthly mortgage builds equity while offering tax benefits for the owner.
For many families, owning their home is one of the most practical ways to support future generations.
More Than Just a House
The benefits of homeownership extend beyond finances.
Research shows that families who own their homes experience better physical and emotional health. Compared to renters, homeowners face lower rates of respiratory illness and mental health challenges.
Dr. Megan Sandel, Associate Professor of Pediatrics at Boston University School of Medicine, describes safe and affordable housing as a powerful form of prevention:
“A safe, decent, affordable home is like a vaccine. It literally prevents disease. A safe home can prevent mental health and developmental problems; a decent home may prevent asthma or lead poisoning; and an affordable home can prevent stunted growth and unnecessary hospitalizations.”– Dr. Megan Sandel
The emotional security of having a family home also matters. Having a place to depend on and a community to return to gives people of all ages a sense of belonging and stability.
A More Stable Path Forward
With a little know-how and some intentional saving, purchasing a home can be more attainable than it might seem.
Speaking with a realtor and a mortgage lender can help create a clear and approachable path forward. These conversations help clarify what homes may be within reach, what income is needed, and how to begin preparing financially.
Our very own Nicole Jennings is a real estate expert, and a conversation with her is a great place to start if you’re unsure where to begin.
Homeownership May Be Closer Than You Think
Often, mortgage lenders don’t require a full 20% down payment for first-time home buyers, and there may be programs available to help with your initial investment.
Getting started often looks like this:
Talking with a realtor to understand homes available in the area
Speaking with a lender about income, savings, and mortgage options
Learning about programs designed for first-time buyers
Saving intentionally for down payment and closing costs
It may take a year or two of consistent, disciplined effort. Still, very few commitments offer the same long-term benefit as homeownership.
Rooted in Alcy Ball
Alcy Ball neighbors understand how important community is. Choosing to purchase a home here is choosing roots. Purchasing a home means making a long term investment in not just yourself, but your neighbors and a beautiful, shared future together.