<prompt> Human: I am very young, 25, with a pretty good job. My soon-to-be-ex-wife is moving out in a few days and I will be alone in our home that we bought back in April. We purchased with an FHA loan, which means that the house has very little equity About 113k left on mortgage, could easily sell house for 118 tomorrow, could probably sell for 122-125 if I worked hard at it.I can afford my mortgage payments pretty easily, though they are completely mine now. My principalinterestinsurancetaxes payment is only 25 of my monthly take-home pay. My recent budgeting now for a single income instead of dual income tells me that I should be able to smash my student loans into payoff in about 26-32 months, and thats if my income does not go up and I make no changes.A downside to having the home is that it is completely empty. Its less than ten years old, in great working shape, and Im improving it in little ways painting, gardening, etc., but I now own a 1300 sq ft home for only me and my dog. It is three bedrooms and two bedrooms are floor-to-ceiling empty.The kicker is that I live in a very affordable city. While my entire monthly mortgage payment PITI is 800 even, I could very easily get an apartment for 450-550. The apartment I lived in before moving into the house was 910 sq ft and only 540 a month. I could downsize greatly, but I lose the equity that I am now building in my home.So I guess the question is...is it worth renting for 200-300 less per month, or worth continuing my affordable 800 payments and avoid the building a sandcastle of not owning property?  <response>: Sellers pay for both the buyers and sellers real estate agent commissions, about 6. So thats going to come out of your equity. 