The Truth About Timing the Market: Why Waiting Could Cost You

If you’ve been sitting on the sidelines, waiting for the perfect time to buy or sell a home—let’s talk. I get it. Nobody wants to make a move and then watch the market shift in a way that makes them think, I should’ve waited just a little longer.

But here’s the reality: timing the market perfectly is a myth.

Every day, I hear buyers waiting for lower interest rates and sellers holding out for peak prices—everyone hoping to magically hit the jackpot on both. But while you wait, the market keeps moving—and more often than not, waiting ends up costing people more in the long run.

Let’s break it down.

Why Waiting Might Not Pay Off

The real estate market doesn’t pause just because you’re on the fence. In fact, three key factors make waiting a risky game:

1. Interest Rates Are Unpredictable

If you’re holding off on buying because you want a better mortgage rate, there’s one thing to remember: rates move up and down—but home prices generally go up.

➡️ If rates drop after you buy? Great—you can refinance.
➡️ If they go up? You’ll be glad you locked in today’s lower rate.

No one can predict exactly what rates will do, but the longer you wait, the more you gamble with both your affordability and home prices.

2. Home Prices Are Still Climbing

That dream home you’ve been eyeing? It’s likely getting more expensive.

Even if mortgage rates drop, rising home prices could erase those savings. Imagine waiting six months only to find out the house you loved is now out of your budget—or worse, gone.

3. More Buyers Are Entering the Market

Spring is around the corner, which means more competition. More buyers = more bidding wars, fewer options, and higher prices. If you’re looking for the best deal, beating the rush can work in your favor.

What’s Happening in Chattanooga Right Now?

If you’re wondering what’s happening in our local market, here’s a quick snapshot:

📈 Home prices are up 3.9% year-over-year
🏡 We have just a 2.72-month supply of homes (which means it’s still a seller’s market)
💰 Rates are hovering around 6.5% for a 30-year fixed mortgage

The takeaway? Demand is high, prices are rising, and affordability remains a key factor.

What Should You Do?

Forget trying to perfectly time the market—focus on what makes sense for YOU.

✔️ Are you financially ready?
✔️ Does buying or selling now align with your life plans?
✔️ Have you considered what waiting could actually cost you?

If you’re on the fence, let’s run the numbers together. I’ll help you break down your options so you can make the best decision for your goals.

💬 I'm just a text message away!