Homebuying decision tool

What could waiting to buy cost you?

Explore how changing home prices, interest rates and rent could affect your buying power over time. Use the sliders or enter your own numbers.

Updated October 20, 2026 · By Chris Borg

Your assumptions

Adjust any number to compare buying now with waiting.

Home price todayEstimated purchase price todayDown paymentPercentage of the purchase priceInterest rate todayIllustrative 30-year fixed rateAnnual home appreciationYour estimate of annual price changeHow long might you wait?Time before a future purchaseEstimated future rateYour estimate for a future 30-year fixed rateMonthly rent while waitingEnter zero if this does not apply

This calculator is for educational and illustrative purposes only. Results are estimates, are not a quote or commitment to lend, and do not include taxes, insurance, mortgage insurance, HOA dues, closing costs or other expenses. Home values and interest rates may rise or fall. Contact Chris for a personalized loan review.

Numbers are only the beginning

Let’s compare your real options and build a clear plan.

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