Cost of waiting calculator

Home & loan details

Current home price

Required.

Down payment

Current interest rate

Required.

Loan term

Required.

If you wait...

Waiting period

Required. How many years you plan to wait before buying.

Annual home appreciation rate

Required. Historical US average is ~4% per year.

Estimated future interest rate

Required. Your best estimate of rates when you buy.

Monthly rent while waiting

$ Mo

Rent you'll pay instead of building equity.

Higher home price

after waiting

Higher monthly payment

per month more if you wait

Total cost of waiting

extra over the loan term

Buy now vs wait — side by side

Item	Buy now	Wait	Difference

Home price appreciation over time