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I own my place and I have no regrets at all. I have seen a huge jump in value (95,000 to 250,000 in 6 years) and it's great to have a place that's truly your own. You can deck the place out just how you like (beer fridge in every room etc. etc.) and you don't have to worry as much about noise and such like an apartment.
In a smaller town you probably wont see that drastic of a value increase but at least your money is going toward something.
Good luck!!
edit: here in Canada, first time homebuyers don't require any down payment. Of course, it would be to your advantage to put one down if you can to keep them mortgage payments a little lower each month.
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