Buying · Live reading

The Cost of Waiting

What waiting a year really costs. Move a dial — your result responds instantly.

Make it local

We'll use the real rates and fees for your area.

Calibrate

Drag to set each value — estimates are fine.

The interest rate starts at the average 30-year fixed rate of 7.18% as of Nov 5, 2026 — illustrative, not a quote.

Home price today

How long would you wait?

Interest rate today

Expected rate change

Nobody knows — play with it.

Home appreciation (yearly)

Dean Kellogg

Earthport Properties

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What this means for you

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Levers that move this

Home price today
How long would you wait?
Interest rate today
Expected rate change
Home appreciation (yearly)

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How this is calculated →

This comparison is an educational estimate. Future prices and interest rates are unknowable; the appreciation and rate-change figures are assumptions you control, not predictions.
Not financial advice, a Loan Estimate, or a commitment to lend.