There's no simple way to decide whether it's smarter to rent or buy, assuming you have enough money to have a choice. It's always a combination of financial and personal priorities. Before you buy — as the majority of US residents do sooner or later — you'll want to balance the costs of owning — the down payment, mortgage interest, property taxes, insurance, and upkeep — against the advantages of growing equity, potential tax deductions, and the additional space that owning may provide.
You may also want to consider the added responsibility that can come with owning a home, how long you're likely to live in one place, and the earning potential of the down payment if you invested differently.
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