Nerd Wallet has a really good rent vs own calculator:
https://www.nerdwallet.com/mortgages/calculators/rent-vs-buy-calculator
Putting in my new rent numbers, current interest rates, and being conservative with the numbers, the best I get to with ownership is being +$20K after 13 years (that number gets me to 65). That is actually about the peak for ownership, as their calculations have ownership getting more expensive after that with repairs and maintenance on an older home.
Not worth the ownership risk (and headache) for a max of +$20K after 13 years. Yeah, I can't do exactly everything I want with renting a home, but I know the downside of ownership can be a lot greater than that. And 10 years from now... good luck finding contractors to fix your home because they're aging out of the business.
Unless you get lucky and buy a house in what becomes the hot new neighborhood/town and get extraordinary appreciation on value or get a really low interest rate (or both), you don't really make that much on a home. Or if you can stay in it for 40 years and your payment doesn't change (and gets eliminated after 30), but rare is the person who doesn't have to move in their life anymore.