Is it better to rent or buy in 2026?

The decision depends on interest rates, home prices, and your timeline. Generally, buying is better if you plan to stay 5-7+ years. Use our calculator to find your specific break-even point.

What is the 5% rule for renting vs buying?

The 5% rule states that unrecoverable costs of owning are roughly 5% of the home value annually (1% property tax, 1% maintenance, 3% cost of capital). If annual rent is less than 5% of the home price, renting may be cheaper.

SmartRentOrBuy

Insurance Agents in Katy, TX

Licensed professionals who help homeowners and renters find the right property insurance coverage.

50 verified providers in Katy, TX

Top Insurance Agents in Katy, TX

Compare ratings, reviews, and services to find the right professional for your needs.

IJEOMA ASHLEY UWAKWEH

Katy, TX

5.0(148 reviews)

Licensed pers lines prop and cas agent in Texas.

TRACI JOHNSON

Katy, TX

5.0(146 reviews)

Licensed life agent in Texas.

MARQUES MITCHELL

Katy, TX

5.0(140 reviews)

Licensed life agent in Texas.

CANE ISLAND STORAGE, LLC

Katy, TX

5.0(140 reviews)

Licensed insurance agency in Texas.

DEVONNA THORN

Katy, TX

5.0(138 reviews)

Licensed pers lines prop and cas agent in Texas.

PAULINE NGBAN

Katy, TX

5.0(134 reviews)

Licensed life agent in Texas.

HENRY GONZALEZ

Katy, TX

5.0(133 reviews)

Licensed life agent in Texas.

SOPHIA ODU

Katy, TX

5.0(132 reviews)

Licensed life agent in Texas.

LEONARD ABOH

Katy, TX

5.0(131 reviews)

Licensed life agent in Texas.

AMY INSURANCE GROUP LLC

Katy, TX

5.0(130 reviews)

Licensed insurance agency in Texas.

JOSKAR DIAZ

Katy, TX

5.0(128 reviews)

Licensed life agent in Texas.

ALFIA MEMON

Katy, TX

5.0(128 reviews)

Licensed life agent in Texas.

LOCK RIG LLC

Katy, TX

5.0(128 reviews)

Licensed insurance agency in Texas.

MARICELA MARTINEZ

Katy, TX

5.0(126 reviews)

Licensed life agent in Texas.

BRITNEY JONES

Katy, TX

5.0(125 reviews)

Licensed life agent in Texas.

NICOLAS CHURCH

Katy, TX

5.0(125 reviews)

Licensed life agent in Texas.

JESUS FIGUERA MARCANO

Katy, TX

5.0(121 reviews)

Licensed life agent in Texas.

OLUFUNMILAYO ABUBAKARE

Katy, TX

5.0(120 reviews)

Licensed life agent in Texas.

RAVINDER MALGA

Katy, TX

5.0(119 reviews)

Licensed life agent in Texas.

ANNABEL NDE

Katy, TX

5.0(112 reviews)

Licensed life agent in Texas.

ENTRUST, LLC

Katy, TX

5.0(112 reviews)

Licensed insurance agency in Texas.

ALEXANDER NEIFORD

Katy, TX

5.0(111 reviews)

Licensed general lines agent in Texas.

SHIRLEY BAREFIELD

Katy, TX

5.0(111 reviews)

Licensed life agent in Texas.

OMOTOLANI AYO

Katy, TX

5.0(109 reviews)

Licensed life agent in Texas.

YUMICSEY HERNANDEZ

Katy, TX

5.0(108 reviews)

Licensed life agent in Texas.

ADAM TILL

Katy, TX

5.0(106 reviews)

Licensed general lines agent in Texas.

ANDREA DIAZ

Katy, TX

5.0(105 reviews)

Licensed life agent in Texas.

LESTER EIREA BARRUETA

Katy, TX

5.0(104 reviews)

Licensed pers lines prop and cas agent in Texas.

RENATO TAN

Katy, TX

5.0(101 reviews)

Licensed life agent in Texas.

JHANSI LAXMI MALISHETTI

Katy, TX

5.0(101 reviews)

Licensed life agent in Texas.

OMERLYN MONTERO PINA

Katy, TX

5.0(101 reviews)

Licensed life agent in Texas.

NNEKA IDIGO

Katy, TX

5.0(99 reviews)

Licensed life agent in Texas.

KIARI DONAHOE

Katy, TX

5.0(98 reviews)

Licensed pers lines prop and cas agent in Texas.

ADA DEVINA CASTRO

Katy, TX

5.0(89 reviews)

Licensed general lines agent in Texas.

TALISKA FAVORITE

Katy, TX

5.0(89 reviews)

Licensed life agent in Texas.

BRITTANY BIGOTT

Katy, TX

5.0(83 reviews)

Licensed pers lines prop and cas agent in Texas.

JUDE ROMANO

Katy, TX

5.0(81 reviews)

Licensed life agent in Texas.

ALEXANDER TOBON

Katy, TX

5.0(80 reviews)

Licensed general lines agent in Texas.

AGNES FRIEDRICH

Katy, TX

5.0(79 reviews)

Licensed general lines agent in Texas.

EVA BELLE

Katy, TX

5.0(78 reviews)

Licensed life agent in Texas.

STEPHANIE DEAVILA

Katy, TX

5.0(76 reviews)

Licensed life agent in Texas.

KEYONNA JONES

Katy, TX

5.0(74 reviews)

Licensed life agent in Texas.

WILANY VALERO

Katy, TX

5.0(74 reviews)

Licensed life agent in Texas.

KOTNA BANGOWENI

Katy, TX

5.0(68 reviews)

Licensed life agent in Texas.

SINAN ALASAD

Katy, TX

5.0(65 reviews)

Licensed life agent in Texas.

IRIS VAZQUEZ

Katy, TX

5.0(64 reviews)

Licensed life agent in Texas.

MEDICPLANS, LLC

Katy, TX

5.0(59 reviews)

Licensed insurance agency in Texas.

REBECCA KROMMINGA

Katy, TX

5.0(56 reviews)

Licensed life agent in Texas.

AUSTIN EVANS

Katy, TX

5.0(55 reviews)

Licensed life agent in Texas.

LOIDA LEONI

Katy, TX

5.0(52 reviews)

Licensed life agent in Texas.

Not Sure If You Should Rent or Buy in Katy, TX?

Use our advanced calculator to analyze the true costs and see which option makes more financial sense for your situation.

View Katy, TX Market Analysis