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The Aggie Buy or Rent Guide

This guide breaks down the five key things every Aggie parent should consider before making that decision—from cost comparisons to financing options and long-term strategy. Whether you're looking to save money, build equity, or create a smart investment, this will help you decide if buying makes sense for your family. If you are interested in illuminating your specific situation, give me a call and lets set up a time to go through some numbers together. We can discuss what is important to you, whether you intend to keep the property after your Aggie graduates, and the differences of cash flow and value.
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Rent vs. Own in College Station

Renting for four years in College Station can cost anywhere from $45,000 to $90,000 - and that's money you'll never see again. By contrast, buying a home gives your family the opportunity to invest in an asset that grows in value over time, while providing your student with a stable and secure place to live. 

While monthly ownership costs can vary depending on the property, loan terms, and market conditions, the key difference is this: rent is an expense, ownership is an investment. With the help of rental income from roommates, many families are able to offset a substantial portion of their monthly costs - all while building equity in a long-term asset. 

Best Student-Friendly Neighborhoods

If you're considering buying, location is key. These three areas stand out for Aggie families:

- **The Barracks** - Amenity-rich, popular with students, and close to TAMU with direct bus service.

 - **The Woodlands** - Gated, convenient, and connected to the Texas A&M shuttle route.

 - **Southwood Valley** - Quiet, affordable, and well-positioned for long-term value. 

All three are on or near TAMU bus routes, offering easy transportation to campus without needing a car. Each area has different pros and cons, depending on your goals. Want help narrowing it down? Let's talk. 

Financing Options for Aggie Families

One of the most attractive strategies is to purchase the home using your student's first-time homebuyer eligibility. This can provide a lower down payment, more favorable interest rates, and the added bonus of helping your student build credit through ownership. 

Rental income from roommates can help offset monthly costs. Of course, some families pay in cash or choose an investment property loan structure, which has its own requirements and terms. The right approach depends on your financial picture and long-term goals. 

Financial Upside of Ownership

Homeownership provides benefits renting simply can't. You may qualify for tax deductions, benefit from appreciation, and generate rental income to cover costs. 

With College Station's steady housing demand, many families find that their home not only holds value-but appreciates-by the time graduation rolls around. This isn't just a place for your student to live; it's a smart investment with long-term upside. 

Planning the Exit Strategy

Before making any purchase, consider your long-term plan:

 - Will you sell the home after graduation?

 - Keep it and lease it to future students?

 - Pass it to a younger sibling? 

Having a clear exit strategy guides your decisions from day one. It informs the location, loan structure, and even the type of home you should consider. I can help you map out those options so you feel confident from start to finish. 

Ready to Run the Numbers Together?

Every family's situation is different-some are buying for one child, others for siblings, or as part of a longer-term investment strategy. Whether you're looking for financial freedom, long-term rental potential, or just want to explore whether this makes sense for your student, I'm here to help. 

Let's set up a time to talk through your goals, review your numbers, and see if buying a home in College Station is the right move for your family. 

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