09/04/2026
A starter home in Seattle isn’t a lesser home. It’s a strategy.
The math is simple. You buy something you can comfortably afford now, build equity while you live in it, and use that equity to move up later. Usually that looks like a condo, a townhome, or a smaller house a little further out from the core.
Two rules if you go this route:
1.Run the full monthly cost, not just the mortgage. HOA dues, taxes, and insurance all count. That’s where the surprise usually lives.
2.Be honest about your timeline. A starter home generally needs three to five years to make the math work after closing and selling costs.
Part 3 is coming: when it actually makes more sense to skip the starter home and buy your forever home, plus the three questions I use with buyers to decide.
Want to run your real numbers before you decide which path you’re on? Call or text me.
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