The Real Cost of Waiting to Buy

“I’m going to wait until prices drop.” I hear this a lot—but here’s the truth waiting often costs more than buying now.

Even when interest rates fluctuate, home values in our area have shown steady growth thanks to continued demand, low inventory, and the appeal of small-town living. While the market might cool in a few spots, it rarely drops significantly—especially in desirable communities like Stephenville and Hico.

Let’s do some simple math. A $350,000 home today at 6.5% interest could cost over $20,000 less in total payments than that same home purchased later if prices rise just 5% and rates go up another point. And if prices hold steady, waiting could still mean missing months or years of equity growth.

In other words—the market rewards action, not hesitation.

If you’re feeling uncertain, I completely understand. But don’t let fear of the unknown hold you back from opportunity. The key is making informed decisions with real local insight and trusted guidance.

I’m happy to sit down, look at the numbers together, and show you what buying now versus later would truly look like for your specific goals. Because in this market, time is more than money—it’s equity waiting to grow.

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