Should I buy now or wait?
Waiting can help if you save meaningfully more, improve your credit or prices soften — and hurt if prices or rents rise. Since nobody can predict rates or prices, model a few futures instead of one.
Buying · Written by Anil Aggarwal, Realtor® | Mortgage Loan Officer · Updated August 8, 2026
Compare buying today against buying in one, two or three years using explicit assumptions for price change, rate change, rent increases and additional savings.
Include what you pay in rent while waiting, since that money is spent either way.
Treat every projection as an assumption. The point is to see how sensitive the decision is, not to predict the market.
See it with your own numbers
More on buying
Still unsure? Ask a question or browse every FAQ.
Keep going
Educational only: The calculators and information on this website are for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a loan offer, commitment to lend, financial advice or guarantee of eligibility, rates, costs or savings. Actual loan terms, rates, fees, mortgage insurance and qualification requirements vary by borrower, property, lender and loan program. Speak with a licensed mortgage professional for personalized information.