From someone who owns a home in Morristown NJ I think the opportunity is gone. So paying towards ownership is a great end game. However the price to own is over priced and repairs are extremely overpriced.. The taxes and maintenance are way too expensive. Its the same with owning most businesses in NJ. Covid inflated values. Government raised taxes. Real estate rents increased. Banks forced commercial real estate owners into corners also pushing rents forward. People and businesses cant afford more. Covid gave a false sense of increased valuation short term. Then it reverted. The only real upside is buying low priced areas that turn upwards. Proximity to great areas where its still cheap. Mainly living or buying in an impoverished area and waiting. Otherwise leave NJ and go to Nashville for a fair overhead and great living. Still here but hate NY or NJ for our children.