Calculator
Buy now vs. wait calculator
Compare buying today to waiting, under your own assumptions about home price appreciation, rate changes, and extra savings while you wait.
Your numbers
Estimated monthly payment difference
Estimate
+$84/mo
Under these assumptions, waiting is estimated to cost more per month than buying now.
Buy now
Monthly payment
$2,571
P&I$1,991
Tax + insurance$423
PMI$158
Buy later
Monthly payment
$2,656
P&I$2,057
Tax + insurance$436
PMI$163
Est. price: $360,500 · Down payment: $35,000
This is an estimate based on assumptions you enter — future prices, rates, and savings are never guaranteed. Confirm real numbers with a licensed lender when you're ready.