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June 30, 2026
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Yes if you are prepared to hold on a 5-10 year horizon. Depending on your market, prices may go down in the next 12-24 months but higher rates could restrict your buying power even if prices go down. It all comes down to your personal goals and motivation. If you are an owner occupant buyer looking to enter the market now is an interesting time as it is the first time in the last few years that leverage has began to shift back towards buyers, albeit minimal so far. If you want to own a home and you can find a deal that makes sense that satisfies your lifestyle goals, buy it. Just don't over extend yourself and be prepared to own the asset for 5+ years.
It's potentially an excellent time. A lot of markets have seen prices drop due to the rise in interest rates - certain markets have not, but some definitely have. In the markets where prices have dropped, you may be able to secure a great purchase price and then refinance down the road if rates come back down. If it fits your budget and lifestyle, then time in the market is much better than trying to time the market.
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