📍 Location

Historic appreciation data: 2016–2026  ·  Sources: FHFA, Zillow, NeighborhoodScout  ·  City data where available; nearest metro proxy or state average otherwise

Your Home Details

$
%
%
%

Equity Growth Over Time

Conservative Model

YearAppreciationEquity GainedROI

Historic 10-Year Model

YearAppreciationEquity GainedROI

Cost of Waiting

Assumption: This model assumes that if you buy today, you are eligible for a no lending cost refinance after 12 months into the same rate assumed to be available one year from now. This allows the comparison to isolate the true cost of waiting: higher home price, lost equity growth, and delayed principal reduction.

$
%
%
%
%
ℹ️ This comparison assumes that if you buy today, you can refinance after 12 months at no lending cost into the same lower rate projected to be available one year from now. That means the future lower rate is applied to both scenarios. The key difference is that buying now allows you to capture today's home price, build equity sooner, and avoid paying more if the home appreciates.
💡 Calculating...

Cumulative Interest Comparison — Both Scenarios at Same Future Rate After Year 1

Period Buy Now + No-Cost Refi Wait 1 Year Buying Now Saves

Buy Now + No Lending Cost Refi vs. Wait 1 Year

Assumption: This model assumes that if you buy today, you are eligible for a no lending cost refinance after 12 months into the same rate assumed to be available one year from now. This allows the comparison to isolate the true cost of waiting: higher home price, lost equity growth, and delayed principal reduction.

$
%
%
%
%

Note: The "Wait 1 Year" scenario automatically uses the same No-Cost Refi Rate above — ensuring both buyers receive the same future rate and the comparison fairly isolates only the cost of waiting.

ℹ️ This comparison assumes that if you buy today, you can refinance after 12 months at no lending cost into the same lower rate projected to be available one year from now. That means the future lower rate is applied to both scenarios. The key difference is that buying now allows you to capture today's home price, build equity sooner, and avoid paying more if the home appreciates.
🏡 Calculating...

Cumulative Interest Paid — Both Scenarios at Same Rate After Year 1

Period Buy Now + No-Cost Refi Wait 1 Year Buying Now Saves
Disclaimer: This calculator is provided for informational and educational purposes only. Projections are based on historical appreciation data and do not guarantee future results. Home values can decrease as well as increase. This tool does not constitute financial, legal, or investment advice. Consult a licensed real estate or financial professional before making any real estate decisions.