National avg is 3โ5%. Local markets often higher.
%
%
yrs
๐ The Wait
mo
$
$
How much extra are they saving each month while waiting?
%
Enter positive (rate rises) or negative (rate drops). 0 = stays same.
%
โณ
Enter a home price and wait period to see what waiting really costs.
The Real Cost of Waiting
๐
โ
Home Price Increase
The home costs this much more by then
๐ช
โ
Rent Paid
Money gone โ zero equity built
๐
โ
Equity Missed
Principal paydown they forfeited
๐ธ
โ
Total Cost of Waiting
Combined financial impact
Waiting 12 months costs โ
Fill in the fields above to see the full breakdown.
โ
Cost per month of waiting
โ
Future home price
โ
Future monthly payment
Factor
โ Buy Now
โณ Buy in 12 Months
Purchase priceโโ
Down payment requiredโโ
Loan amountโโ
Interest rateโโ
Monthly mortgage paymentโโ
Equity after 12 monthsโ$0
Rent paid during wait$0โ
Net worth difference after 12 moโโ
Rate Risk โ What If Rates Rise While Waiting?
Based on the future home price. Shows monthly payment at current rate, +0.5%, and +1.0% โ illustrating the compounding cost of waiting in a rising rate environment.