I think that you already answered your question. Buying a condo and making monthly payments to a bank would ultimately give you a higher return if someday you decide to move. Renting might seem easier and most financially logical ... but understand, when you move out in, let's say, 5 years! If your monthly rent is, lets say, $900.00/month! In the 5 years you would have paid $54,000.00 to the apartment complex without getting a penny of that back when you move!
If you were to pay the same loan ($324,000.00/30 yrs) your monthly loan rate would be around $2,377.40/mo.
Now consider the same exact scenario as stated above! A condo costing $200,000.00, with a monthly payment of $954.83 ... by this time next year, you would have paid $11,457.96 and after the interest payments... Your loan amount would drop to $196,477.93. There would still be a return; after the first year of this loan (at about 4% apr.[ most rates are around 4-5%]),
After 5 years of making the same payment ... Although you would have paid $57,289.80, after the interest ... your loan amount would be $185,027.12! So far you would have accrued about $14,972.88 in sole asset values! Keep in mind, if it were an apartment ... you would be left with $0.00 if you decided to move!
After 10 years of making the same payment ... Although you would have paid $114,579.60, after the interest ... your loan balance would be $157,567.92 = a $42,432.08 acruence to your personal assets! After 10 years at an apartment, you would again, be left with $0.00
After 20 years of making the same payment ... Although you would have paid out $229,159.20, after the interest ... your loan balance would be $94,308.78 = a $105,691.22 acruence to your personal assets! After 20 years at an apartment, you would again, be left with $0.00.
The 30 year calculation should be evident ... you would owe nothing to the bank and own a $200,000.00 house! Keep in mind, as the years progress ... so does the "cost-of living" and thus an increase in the value of your home! Currently, the cost of living increases about 3%/yr. at this rate of increase, after 30 years ... your home value should be = to approximately $485,452 !!! This is money that would be in your pocket! Your investment would multiply approximately 245.816% in 30 years! Compare that to getting $0.00 from living in an apartment for the same duration.
Hope this helps :)