Updated 2025 Market Data
The True Cost
of Waiting to Buy
Every month you delay could cost you thousands. See exactly how waiting impacts your wallet — and why acting sooner builds wealth faster.
Calculate Your CostWaiting Isn't Free
Home prices, interest rates, and lost equity compound over time. Here's what a single year of waiting typically costs.
4.2%
Annual Appreciation
The average U.S. home appreciates roughly 4.2% per year. On a $350K home, that's nearly $14,700 added to the price in just 12 months.
+0.25%
Potential Rate Increase
A modest quarter-point rate increase on a $280K loan adds roughly $52/month — that's over $18,700 more in interest over 30 years.
$14,700
Lost Equity Per Year
While you wait, someone else is building equity in the home you could own. That's wealth you're leaving on the table every single month.
See Your Personal Impact
Adjust the sliders below to see exactly how waiting affects your specific situation.
Your Cost of Waiting
Home Price Increase
+$14,986
Higher Monthly Payment
+$127/mo
Lost Equity
$14,700
Total 30-Year Cost of Waiting
$60,253
*Estimates based on 4.2% annual appreciation and projected rate changes. Actual results may vary.
Buy Now vs. Wait
A side-by-side look at what changes in just one year.
Buy Now
Lock in today's price
$350,000
Current interest rate
6.75%
Monthly payment
$1,816/mo
Start building equity immediately
~$14,700 in year one
Wait 12 Months
Higher home price
$364,986
Potentially higher rate
7.00%
Higher monthly payment
$1,943/mo (+$127)
Larger down payment needed
$72,997 (+$2,997)
What You Can Do Today
Small steps now can save you tens of thousands later.
Get Pre-Approved
Know exactly what you can afford and show sellers you're serious. Pre-approval locks in your rate for 60–90 days.
Start Exploring Neighborhoods
Understanding the market early gives you an edge. You'll recognize a great deal when you see one.
Partner With an Agent
A knowledgeable agent helps you move quickly when the right home appears — and negotiate the best possible terms.
Run the Numbers
Use our Affordability Calculator and Mortgage Calculator to understand your full financial picture.
Ready to Make Your Move?
Don't let the cost of waiting eat into your future wealth. Let's talk about your goals and create a plan to get you into your home.