Positive Aspects:
1. Morganton is a beautiful city surrounded by nature with plenty of outdoor activities like hiking, biking, fishing and more.
2. The city is home to a bustling culture and many attractions including the downtown area and its historic buildings, the Catawba River, and more.

Negative Aspect:
1. The cost of living in Morganton is higher than the national average.

Here are a few benefits of home ownership in Morganton, North Carolina:

1. Long-term financial benefits: Homeownership can be a long-term investment that can potentially appreciate in value over time. This can benefit you financially when you eventually sell the property.

2. Property tax benefits: As a homeowner, you are eligible for property tax deductions, which can be a significant benefit in Morganton.

3. Stability: Owning a home provides stability, as you don't have to worry about sudden rent increases or eviction notices.

4. Customization: You have the freedom to customize your home according to your preferences and needs.

5. Community: Homeowners tend to be more invested in their community, which can provide social benefits such as involvement in local events and better relationships with neighbors.

6. Better Credit Rating: A mortgage is an installment loan that is paid off over time. Making monthly mortgage payments on time will demonstrate to lenders that you are a good candidate for other loans in the future.

7. Forced Savings: Since your mortgage payment is due every month, homeowners save regularly. Overtime, homeowners build up savings through mortgage repayment.