I think it's because they are mostly wood framed, vs brick in the UK. But yes, the mortgage rate is fixed in the US, your mortgage payment doesn't change, your

I think it's because they are mostly wood framed, vs brick in the UK. But yes, the mortgage rate is fixed in the US, your mortgage payment doesn't change, your wages increase at least with inflation, and relatively speaking the mortgage gets cheaper every year. Rents on the other hand, tend to adjust with inflation. The breakeven point is about 3-5 years as it happens.