Buy now or wait, in your own dollars.

This week's 30-year rate from Freddie Mac plus the numbers you type. Estimates, not advice.

Today's rate. This week's news.

The 30-year rate from the Freddie Mac weekly survey, and the housing news that can move it. Stories that carry a publisher link show a Read the article link.

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Your numbers.

Needed: a city or ZIP, a down payment, and a home price or the most you can pay each month. Anything else you skip is left out, and the answer says how that changes it.

City or ZIP (required) Sets the property tax rate for your area.

Home price

Down payment (required)

Monthly payment you can carry

Include property tax and insurance.

Current rent (per month)

Enter 0 if you do not pay rent now. If you leave it blank, the waiting side leaves rent out and the answer shows no direction.

Buying timeline Marks the matching wait in the scenario table and goes into the written read. It does not change the dollar figures.

Loan term

Leave a field empty if you don't know it. It is listed as unknown rather than counted as zero.

Property tax rate (% per year)

Homeowners insurance (per year)

Reference: NAIC Homeowners Insurance Report (2023 data)

HOA (per month)

Your mortgage rate (a rate you enter is used instead of this week's)

This week's rate has not loaded yet.

These drive the scenario table. The defaults are starting points, not advice; change any value to match your case.

Maintenance (% of price per year)

Upkeep, repairs and replacing worn systems, not remodels. 1% of the price a year is the starting point; change it to match your home. Reference: Harvard JCHS, Improving America's Housing 2025

PMI (% of loan per year)

Private mortgage insurance, charged only while the down payment is under 20% of the price; prefilled from your down payment.

Wait horizons (months) How long you might wait before buying. Separate values with commas, e.g. 6, 12.

Rate changes (percentage points) Mortgage-rate moves to test by the time you buy, in percentage points from today's rate; prefilled around the official forecast. Negative means rates fall. Comma-separated.

Price changes (%) Home-price moves to test by the time you buy; prefilled around the official forecast. Negative means prices fall. Comma-separated.

Purchase closing costs (% of price)

Paid once when you buy.

Refinance closing costs (% of balance)

Lender and title fees if you refinance later, as a share of the remaining balance; typically 1-3%, excluding prepaid taxes and insurance. Reference: Freddie Mac, Planning to refinance

Press Enter in any field to run.

No account needed for the numbers.

The answer is computed in your browser. Your city or ZIP goes to this site's server to look up your area's property tax rate. When you ask for a written read, a banded copy of your numbers goes to a third-party AI provider; the Privacy page lists exactly what travels. Paid partner links are marked next to them, and partners never receive your inputs.

Educational estimate, not financial advice

Buy now or wait: your numbers compared.

What changes the answer:rate, price, time

Scenarios, not forecasts.

Educational estimate, not financial advice

Buy now

Payment, closing costs, tax and upkeep. Equity builds as you repay the loan.

Known monthly cost: Needs your numbers
Purchase closing costs: Needs your numbers

Wait

Rent paid along the way. A different price and mortgage rate when you buy.

Monthly rent: Needs your rent
Mortgage rate risk: Shown in the scenarios

Costs you leave blank are not counted.

Payment and affordability breakdown

Waiting for a usable mortgage rate.

All scenarios and calculation details

Where each figure came from

Ready when you are

Run the analysis to see the data sources used for this answer.

Written read

A plain-language read of the scenario table above, written from your numbers and the evidence shown on this page.

The written read explains your scenario table in plain words. It shows the evidence it used, its model name and its generation time. It is an educational estimate, not financial advice. It labels scenarios (Lean Buy Now, Lean Wait, No Clear Edge, Insufficient Evidence) and cannot promise what rates or prices will do.

Your analysis comes first. The written read uses those numbers.

Compare cities.

Your city next to up to four others, using bundled Realtor.com and FHFA data. Figures are snapshots, not live listings.

City 1

City 2

City 3

City 4

City 5 (optional)

Write each city as City, ST (for example Austin, TX) or enter a 5-digit ZIP code (for example 40014).

Market snapshot

Rates and listing statistics

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Analyze a ZIP or a listing

Find a good deal: search homes by ZIP or city, then analyze any listing with comparable sales, valuation, and negotiation signals.

Go to Analyze