Advantages and Disadvantages of Owning a Home

Buying a home is the biggest financial decision many people make. As with any major decision, a key question to answer before proceeding: Why?

Perhaps your why is a larger home to raise children, have a yard, move into a better school district or get your new home office for remote work. There is no right or wrong answer, merely the best one that fits each individual circumstance.

“There is an emotional side to home ownership, particularly in the United States – it’s often baked into people’s vision of the future or part of the American dream,” said Tom Figgatt, president of Portolan Financial in New Orleans. “And it does feel good to own your own house; you can feel like it is a home and not just a temporary dwelling.”

The benefits of home ownership come with costs and limitations. For some, renting may be a better option. Consider the pros and cons of buying a house as you think through the process and before you make a decision. You can also read our homeownership guide to help you through your process. READ MORE

Homeownership as an Investment


  • Be aware of and review the advantages along with any potential risks before you buy a home.
  • The benefits of investing in a home include appreciation, home equity, tax deductions, and deductible expenses.
  • Risks of investing in a home can include high upfront costs, depreciation, and illiquidity.
  • A home can be a good long-term investment but building equity is key.
  • Real estate appreciates not just because of the home itself, but the property it sits on.


Benefits of Owning a Home vs Renting: Investing in Yourself

Here are seven benefits of owning a home:

  1. More stable housing costs
  2. An appreciating investment
  3. Opportunity to build equity
  4. A source of ready cash
  5. Tax advantages
  6. Helps build credit
  7. Freedom to personalize


Ralene Nelson, REALTOR®

SOLD – 348 Kestrel Way, Rio Vista

Step into this Savita floor plan & you will know this is your new home. This 2 bedroom 2 bath home offers you the great room concept with tile floors and carpet in the bedrooms. GE profile stainless appliances in the kitchen with granite slab counters & beech sierra natural cabinetry. Pantry closet & counter that accommodates bar stools for extra seating. Dining space has a bay window that provides that extra space for larger table. Primary bedroom has slider to the patio & walk in closet. Bath has double sinks & upgraded walk in shower. The 2nd bath has tub with shower over & linen cabinet. Backyard with patio is private with beautiful roses in bloom now. Low maintenance landscaping with automated sprinkler system. Trilogy, the active adult community offers so many activities that include golf, tennis bocce/pickle ball, billiards, gym & pools/spas. There is even a playground for your visiting grandchildren & dog park for your fur baby. There are over 40 plus clubs, from card groups, dancing & theater. Move in ready, so just bring your furniture. The bonus is prepaid solar lease, this provides a more economical PGE bill. MORE INFO

JUST LISTED – 524 Birch Ridge Dr. Rio Vista
2 bed/2 bath/1,172sqft/4,095sqft lot

$430,000 – Beautiful Carmel model, with custom entry & drought resistant landscaping (front & back). Very relaxing & private back yard, fully fenced for your pet. With upgraded front door, you enter this charming home, 2 bedroom, 2 baths, with bay windows in the nook & primary bedroom. Newer laminate flooring, plantation shutters in great room & 2nd bedroom. 2nd bedroom has build in unit with file drawer & desk space for your computer. Kitchen has newer stainless appliances, refrigerator, microwave & gas stove, oak cabinets, pantry, reverse osmosis & overlooks backyard. Primary bedroom overlooks the back yard & has walk-in closet. Primary bath has double sinks & walk in shower. Electric fireplace adds to the cozy great room. Laundry room has been updated w/sink & stackable washer/dryer. Now step out into this peaceful, relaxing & private backyard, with patio/cover and a lovely water fall. Enjoy your music & a beverage. Garage has built-in storage cabinets & ceiling storage units. Move in ready, so come join the fun at Trilogy. Ammenities include tennis/pickle ball courts, bocce ball courts, 2 pools/spas, gym, golf, computer room & many clubs to join. Are you interested in theater, card groups or other interests? Look no further!! Trilogy has a restaurant & cafe. No Bonds!! MORE INFO

FOR SALE – 181 Cedar Ridge Dr. Rio Vista

2 bed/2 bath/1,433sqft

New Price $519,500 – Look no further!! This Clipper model is like a new home, completely renovated, from new sheet rock to all new cabinets throughout, new baths, laminate flooring, quartz counters, appliances, and new interior & exterior paint. Located on the 11th fairway, bring some patio furniture & enjoy the scenery. This model provides a living room/dining room & a nook/great room. Trilogy provides so many amenities, including 2 swimming pools/spas, bocce courts, billiards, tennis courts, pickleball, gym & more. READ MORE

PENDING – 731 Turnberry Ter Rio Vista
2 bed/2 bath/1410 sqft

$405,000 – NO BONDS-Spinnaker model with private backyard. This 2 bedroom, 2 bath home feels like a very relaxing cottage for a retirement home. The patio provides a quiet place for morning coffee & afternoon beverage. Den has built-in book/curio shelves & bay window. The Master bedroom has a bay window, which creates room for a sitting area. New hot water heater. Enjoy amenities such as golf, tennis, bocce, pools/spas & a new gym, and more.  READ MORE

Pending Sale – 295 Sage Meadows Drio Vista

3bed/3.5bath/2,367sqft/6,669sqft lot

NEW PRICE $549,000 – Calistoga model, with private courtyard, located on a corner lot. New interior paint (including garage) & tile/grout cleaned, gives this home a fresh look. Island kitchen with granite tile, black appliances, w/5 burner gas stove top & maple cabinets. Open floor plan makes this a great home for entertaining & the fireplace makes it cozy. Large master bedroom has bay window, upgraded tile in bath (walk in shower & tub). Den has been enclosed as well as another room, so this could be 4 bedrooms. One can be your den, other can be your craft/sewing room. 2nd bedroom has full bath, with courtyard entrance. Laundry room has sink, cabinets & folding space. Full patio & fencing secures this backyard for your family pet. Trilogy offers many amenities, from tennis, bocce, billards, pickle ball, golf, 2 pools & spas and even playground for grandchildren. Just bring your furniture & make new friends.READ MORE

Events in Northern California this Weekend
MAYDAY – Live Music on the Delta

JUNE 4 Patio Dance- Trilogy Dance Club

Sunday, June 4 · 6 – 9pm
Clubhouse Patio, 1200 Clubhouse Drive Rio Vista


Every dance has a dress theme so have fun and get dressed up in theme. You are still welcome whether you opt to dress up or not. This month it’s FLOWER POWER!

Golf Cart parking and entry for paid attendees available behind Vista.

Doors open at 5:00pm. MORE INFO

MAYDAY – Live Music on the Delta
Saturday, June 3 · 5 – 8pm PDT

Tower Park Waterfront Grille,14900 West Highway 12 Lodi


Enjoy great music and amazing food at Tower Park Waterfront Grille. FREE SHOWS 5p-8p MORE INFO

Reggae On The River By Natural Revolution at Wimpy’s Marina!
Sunday, June 4 · 1 – 4pm
14001 W Walnut Grove Rd, 14001 West Walnut Grove Road Walnut Grove

Vibe with us at Wimpy’s with Live Reggae Music by one of the area’s most talented bands… Natural Revolution is making waves this weekend!
One of the area’s most talented reggae bands is bringing their philosophy of peace, love and light to Wimpy’s Marina Restaurant & Bar! Enjoy an afternoon on the Delta as they play soulful, spiritual hits on the Main Stage in our Sandy Beach Area! Pull up to the dock in your boat, join us by car, or ride in on your motorcycle for a great day on the California Delta. MORE INFO

Brentwood Bikes & Brews Early Summer Ride

Sunday, June 4 · 11:30am – 4pm
Brentwood, 1 Brentwood, CA

This is a 21 and over event.

Starting location will be emailed 2 days before the event to the ticket buyer.

Come out and have a couple cold ones, hang with friends, make new friends, get get lost in the fun and raise some money for the kids.

Your paid admission will include:

  • 3 business locations
  • 3 drinks
  • Prizes                                                         MORE INFO

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