> I'm spending like $20/month to pay for house that I own.

Even assuming you own the house outright (which is not true for most people that have bought a house less than 30 years ago), that number seems ridiculously low. In every place I've lived, the land taxes alone are an order of magnitude higher than that. And then maintenance for the house is on top of that (something that people renting don't pay directly).

I know renting has its disadvantages, but owning a house certainly isn't cheap either, even ignoring the price of the actual house.