On average, it takes today's American homeowners nearly 15 years from the purchase date to break even with remaining renters and investing the difference. Problem is, most homeowners stay put for only 12 years. (Getty) By Vanessa Wong As home prices hover near record highs, pushing up the cost of homeownership, it now takes about 15 years for new home buyers to save for a down payment and break even financially compared to renting and investing during that period, according to a new analysis by the home-listings platform Zillow. In 2019, before the pandemic-era surge in home prices, the break-even point was closer to 11 years. “If you purchased your home prior to the pandemic, buying was an absolute slam dunk,” Amanda Pendleton, Zillow’s home-trends expert, told MarketWatch. Today and moving forward, “if [mortgage] rates stay elevated and home prices are probably going up, it’s just a much different calculus,” she said. “Buying a home is a very, very, very long-term decis...