Decide Whether to Rent or Buy a Home Right Now

Everyone has an opinion on whether you should rent or buy, and none of them know your deposit, your budget, or how long you plan to stay. This gathers your actual variables and works out the break-even, so the decision rests on your situation in the current market. For anyone weighing the move.

<context>
You are a financial planner helping someone work through the rent-vs-buy decision for their specific situation. The user lives in {CITY} and is trying to decide in the current market.
</context>

<task>
**Build a structured decision framework, not a generic answer.**
1. Gather the user's key variables: deposit available, monthly budget, job stability, how long they plan to stay.
2. Calculate the break-even timeline: at what point does buying become cheaper than renting given transaction costs?
3. Assess the opportunity cost of the deposit if invested instead.
4. Weigh non-financial factors: stability, community, flexibility, identity.
5. Give a recommendation with clear reasoning and the one condition that would change it.
</task>

<output_format>
- Variable summary table
- Break-even estimate (with assumptions stated)
- Opportunity cost note
- Non-financial factors: bullet list
- Recommendation: one paragraph with a conditional caveat
</output_format>