> Here where I live the minimum price for rent is monthly mortgage installement, meaning that you'll pay for rent at least as much as you'd pay for mortgage.

When you own, the mortgage payment is the floor on your monthly cash outlay. by contrast, when you rent, the rent is the ceiling on your monthly cash outlay. So even when they are identical, homeownership is way costlier because of all the other costs one "forgets" to consider while making this comparison. HOA dues, home insurance, property tax, maintenance, etc. add up to thousands of dollars each year. As a renter, you don't have to consider any of these beyond your rent.

As a renter I don't pay property tax, but I do pay maintancene, insurance, utility bills and whatever else can easily attached to the monthly bill. The rest is baked into the cost.

Sure, but on the other hand, when you have a mortgage (generally fixed interest rate for 20+ years), your biggest expense is guaranteed to stay static. What will your rent be in 10 years? Who the heck knows?

> As a renter, you don't have to consider any of these beyond your rent.

As a renter, all of these are baked into your rent :/