High home prices and limited inventory are making it harder for younger buyers to enter the housing market, according to financial advisers. The decision to rent or buy depends on lifestyle and long-term plans. For those planning to stay put, homeownership can help build wealth over time, particularly if purchased at a younger age. However, rising home prices have made entry into the market more difficult. The experts believe that modest declines in interest rates could help improve affordability and encourage more first-time buyers.