Time in the Market Beats Timing the Market

Are you debating whether to buy a home now or wait? It’s a big decision, and there are plenty of factors to weigh—market trends, interest rates, and even your personal circumstances. But here’s the reality: trying to perfectly time the market is nearly impossible. Markets shift for countless reasons, many of which are unpredictable.

That’s why the saying goes: time in the market is better than timing the market.

If buying a home aligns with your financial situation and life goals, moving forward sooner rather than later often pays off. Bankrate explains this well:

“No matter which way the real estate market is leaning, though, buying now means you can start building equity immediately.”

The Numbers Back It Up

Let’s look at the data. Each quarter, Fannie Mae publishes the Home Price Expectations Survey (HPES), where over 100 economists, real estate experts, and market strategists predict where home prices are heading. The latest survey suggests that home prices will continue rising steadily through at least 2029. While growth is expected to be more moderate than in recent years, the upward trend is clear.

What does this mean for you?

Let’s break it down with an example.

If you buy a $400,000 home in early 2025, based on HPES projections, your home could appreciate significantly over the next five years. The equity you build could amount to over $83,000 in household wealth by 2030. That’s a substantial gain, especially compared to the alternative: continuing to rent and missing out on this wealth-building opportunity.

Challenges and Solutions

It’s true that today’s market comes with its challenges, from higher interest rates to competitive bidding. But don’t let those hurdles deter you. There are ways to make homeownership more attainable:

• Explore more affordable areas: Look beyond popular neighborhoods to find hidden gems.
• Consider different property types: Condos or townhomes can be a great entry point into the market.
• Research down payment assistance programs: Many programs exist to help first-time buyers with upfront costs.

The Cost of Waiting

Sure, you can wait. But if you’re simply waiting to “time the market,” here’s what you’re leaving on the table: the chance to build equity and grow your wealth over time. Markets are cyclical, but the long-term trend in real estate is almost always upward.

Bottom Line

When it comes to building wealth through real estate, it’s about time in the market, not trying to predict the perfect moment to buy. If you’re ready to take the next step or just want to explore your options, let’s connect. Together, we’ll find a path to make your homeownership goals a reality in 2025!

Graham Team Real Estate • (702) 930-9551 • Team@grahamteamnv.com

3007 W Horizon Ridge Pkwy, Ste. 210, Henderson, NV 89052