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Should I buy now or wait for rates to drop?

Waiting for a lower rate only helps if prices stay still while you wait. Put today's price and rate against a future price and rate, and see how much the home can appreciate before the cheaper rate stops being worth it.

Buy today

NOW
$
%
%
yrs

Or wait

LATER
mo
$/mo

You still live somewhere for those months, and this is usually the largest number on this page. Enter 0 only if you really would pay nothing — staying with family, say.

%
%/yr

The number that decides this. Try 0% and 6% to see how much it matters.

🧮

Enter today's price and rate, plus how long you'd wait, to compare.

Save or send these numbersEmail

All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.

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How much a price rise cancels a rate cutA written guide to the rules behind this calculator →
For educational purposes only. Nobody can forecast rates or prices — treat the future figures as assumptions to test, not predictions. Rent while waiting is counted, but taxes, insurance and maintenance are not — they fall on the owner either way.