Should You Buy or Wait?
If you’ve been following the real estate headlines, you’ve probably noticed one consistent theme: the market keeps shifting.
Interest rates fluctuate, inventory ebbs and flows, and affordability feels like it’s always on the edge of change.
So, if you’ve been wondering “Should I buy a home now—or wait until things calm down?” you’re not alone. At Walker Real Estate Group, we help clients in Capistrano Beach and throughout Orange County navigate these decisions every single day.
Let’s break down what’s really happening in 2025—and whether waiting is actually worth it.
The Current Market Snapshot
As of late 2025:
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Interest rates are hovering around 6%–6.5% for most conventional loans.
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Inventory remains below pre-pandemic levels, especially for coastal homes.
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Home prices have stayed relatively stable year-over-year, with small gains in desirable neighborhoods.
In other words, the market isn’t crashing—but it’s also not skyrocketing. That means it’s more important than ever to look at your personal goals rather than try to “time” the market perfectly.
The Cost of Waiting
Many buyers assume that waiting for lower rates or prices will save them money—but the numbers often tell a different story.
Here’s why:
1. Home prices may not fall significantly.
Even if prices plateau, coastal areas like Capistrano Beach rarely see deep drops because demand stays high.
2. Interest rates may not return to pandemic lows.
A half-point drop in rates saves money—but if home prices rise while you wait, you could lose that advantage.
3. You miss out on equity growth.
Buying now means starting to build equity right away. Waiting 12 months could mean missing out on thousands in appreciation.
Example:
If a $1,000,000 home appreciates just 4% next year, that’s $40,000 in potential equity you’d miss by waiting.
Reasons You Might Wait
That said, there are times when waiting makes sense. Consider holding off if:
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You’re still building your down payment or credit score.
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You’re not ready to commit to an area long-term.
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You have major life changes (like a job move) on the horizon.
In these cases, it may be smarter to plan strategically with a trusted real estate team—so when the time is right, you’re fully prepared to move fast.
Pro Tip: Focus on Affordability, Not Timing
Rather than chasing “the perfect time,” focus on what you can comfortably afford today.
The right property, paired with the right financing and a trusted advisor, often outweighs short-term market changes.
At Walker Real Estate Group, we help buyers:
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Understand their true buying power in today’s market.
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Compare financing options and connect with top lenders.
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Identify neighborhoods with strong long-term value.
The Bottom Line
There’s no universal answer to “buy or wait.”
But if you have stable finances, plan to stay in your home for several years, and find a property you love—the best time to buy might be now.
Remember: trying to “time” the market perfectly is nearly impossible. The best move is often to time the market for your life, not the headlines.
Ready to Explore Your Options?
Whether you’re ready to buy today or just starting to plan, our team at Walker Real Estate Group is here to help you make smart, confident decisions. Contact us today!