And compare the non-financial sides honestly. Renting preserves mobility and shifts shared-building surprises away from you; buying gives control over the unit but adds association decisions and resale timing. If the monthly saving has nearly disappeared, those trade-offs become the decision...
Include energy use in the comparison too. A three-bedroom apartment can look affordable until association charges, insurance, utilities and routine interior maintenance are placed beside the rent. Use the same occupancy assumptions on both sides so the comparison is fair.
