The gains may not be massive each year, but they add up fast over time. And if you're waiting for prices to drop? That scenario doesn't align with expert consensus.

Delaying a Move Could Cost You Tens of Thousands

Let’s look at the numbers.
Say you're aiming to buy a $400,000 home — but you wait 5 years to make the move.

That same home could cost you nearly $480,000 by 2030 based on current projections.
That’s $79,000 more — and that doesn’t even include interest or inflation.

In other words, the longer you wait, the more your next home may cost you.

But Won’t Rates Go Back to 3%?

Short answer? Unlikely.
While experts expect mortgage rates to come down, most agree that we won’t return to the ultra-low 3% range anytime soon.

So waiting for "the perfect storm" of both lower prices and lower rates?
That might be more of a dream than a data-backed strategy.

Bottom Line

Keeping your low interest rate is smart — until it starts holding you back from living in a home that actually fits your life.

If a move is on the horizon — even if it's a couple of years away — now is the time to understand your options and start planning.

Let’s talk through your timeline, your price point, and what the math looks like for you. That way, you’ll know whether it’s better to move soon, wait a little, or make a more strategic shift.