06/20/2026
“We’ll just wait for rates to come down.”
I hear this all the time from buyers, and honestly, waiting may absolutely be the right decision for you.
But it’s worth understanding that waiting isn’t free.
With 30-year fixed rates hovering around 6.5%, many buyers are sitting on the sidelines hoping for a better opportunity. Here’s the math most people don’t consider:
• The average renter spends roughly $1,800/month on housing.
• That’s about $21,600 per year that isn’t building equity.
• Home values may continue to appreciate while you wait.
• And if rates do drop, more buyers often re-enter the market, increasing competition.
This isn’t meant to convince you to buy before you’re ready.
It’s a reminder to look at the full picture.
The best time to buy isn’t when the headlines finally feel comfortable. It’s when the numbers, timing, and goals align for you.
If buying has been sitting in the “maybe someday” category, let’s run the math together and figure out what actually makes sense for your situation.
No pressure. Just real numbers and a plan.
