There's detailed calculators to handle all the issues you bring up: https://medium.com/@usaar33/an-up-to-date-buy-or-rent-calcul...

Also, it's a trade-off. In some markets, buying wins. In others, renting wins. I personally found it hard to justify buying in expensive parts of the Bay Area: https://medium.com/@usaar33/why-you-shouldnt-buy-a-home-in-t...