09/18/2026
When housing affordability gets tight in places like Boerne and Fair Oaks Ranch, waiting for mortgage rates to drop can feel like the safest move. But nationwide, 41% of home buyers who waited actually wish they’d bought sooner.
Here in Kendall and Bexar counties, waiting on rates carries a double risk:
Unpredictable Mortgage Rates: Inflation, economic shifts, and global events drive rate fluctuations—and they could just as easily nudge rates upward.
Local Price Appreciation: Demand for Hill Country living remains strong. Even a modest dip in rates typically brings a wave of waiting buyers back into the market, driving up home prices and sparking multiple-offer scenarios in popular neighborhoods across 78006 and 78015.
If you're weighing your options, you don’t have to rush into a purchase—move only when the numbers make sense for your budget. But sitting on the sidelines without a plan could mean paying more for the same property down the road.
Before you decide to pause your search, connect with a trusted local lender and real estate professional to review current inventory, builder incentives, and alternative financing options so you can make a decision based on real local data
