Mortgage was always higher than rent where I live, in the past, because people were renting houses they bought a long time ago so even with the profit in there it just worked out that way. Then rents exploded here, and buying was cheaper but then prices of houses exploded and now renting is cheaper again.
I have a trans son, and really I don’t think you need to worry about it - if you are caring enough to even ask this question, your kids will be fine, just let them grow up, they will figure themselves out. I literally just thought my youngest was a butch lesbian not a boy, my concept of womanhood is broad, he had to “come out” and he’s not at all traumatized by that.