09/28/2026
Does waiting make a home more affordable?
A national analysis cited by AD Mortgage reviewed housing data from 2000–2022 across all 50 states and Washington, DC. It compared buying that year with waiting two years, incorporating home prices, mortgage rates, a 15% down payment, and savings accumulated while waiting.
Across the state-year comparisons, buying sooner came out ahead 61% of the time.
That does not mean buying now is automatically right for everyone. The best decision is personal: your budget, financing, timeline, and the right home still matter more than trying to call a perfect rate or market moment.
If you are weighing a move in Washington, DC or Northern Virginia, message me for a strategy built around your goals.
Source: AD Mortgage analysis of 2000–2022 housing data, as cited in the reference post. Educational content only; not financial, tax, or legal advice.
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