Home » Forum » Topics

Is it still worth buying a house in 2026?

real estatehome buyingpersonal finance
avatar
Yulia_Z
Joined:
24.08.2021
Posts: 1128
Topic Starter
26.02.2025 04:02
I've been saving up for a down payment for the last five years, but with current interest rates and the way the market has shifted, I'm starting to get cold feet. It feels like prices in my area are stagnating, but renting is becoming just as expensive as a mortgage payment. I'm trying to decide if I should jump in now or keep renting and investing my savings elsewhere for a few more years. Has anyone else made the leap recently, or are you holding off to see if things cool down further?
13 replies in this topic
avatar
Olivia_T
Joined:
22.03.2021
Posts: 1781
16.04.2025 17:56
Honestly, at this point, I think waiting is a gamble. If rates drop, everyone is going to jump back in and prices will skyrocket again.
avatar
Profit_Maker
Joined:
04.10.2021
Posts: 231
26.05.2025 03:39
I bought last month. It was stressful, but I finally have a place of my own and I'm not dealing with landlords anymore. Worth it for the peace of mind.
avatar
Oli_S
Joined:
04.12.2024
Posts: 139
08.06.2025 02:09
In reply to a previous post
Totally agree with the sentiment above. Renting is basically paying someone else's mortgage, so if you find a good deal, just go for it.
avatar
Kras_T
Joined:
16.04.2024
Posts: 626
08.07.2025 02:19
I'm holding off. I've got my savings in a high-yield account and the interest is actually covering a good chunk of my rent. I'll wait for the market to correct further.
avatar
Chris_K
Joined:
04.11.2021
Posts: 1130
12.10.2025 16:59
In reply to a previous post
What area are you looking in? If it's a major city, stagnation is likely temporary. Don't try to time the market perfectly, you'll never hit the bottom.
avatar
Iva_R
Joined:
10.09.2022
Posts: 2225
24.10.2025 19:22
In reply to a previous post
Five years of saving is a huge accomplishment! Don't let fear make you throw that away. Just make sure you can afford the monthly payments comfortably.
avatar
SomeoneSomewhere
Joined:
14.10.2022
Posts: 1987
26.11.2025 11:13
I made the leap last year and honestly? I regret it. The maintenance costs on an older house are killing my savings. Renting is much more predictable.
avatar
Brian_Z
Joined:
20.12.2021
Posts: 1980
06.01.2026 14:43
In reply to a previous post
That's a fair point, but you're building equity. In ten years, you'll be glad you bought instead of paying rent to a landlord who keeps raising the price.
avatar
Selector
Joined:
04.11.2022
Posts: 1307
07.02.2026 14:55
The market is definitely weird right now. I'm seeing houses sitting for months, which gives buyers way more leverage than we had in 2022.
avatar
mike_777
Joined:
17.07.2022
Posts: 32
27.02.2026 03:13
In reply to a previous post
If you are planning to stay for 5-10 years, buy. If you might move for work, stay renting and keep your liquidity.
avatar
new_here
Joined:
26.08.2024
Posts: 222
01.03.2026 23:29
Nobody has a crystal ball. If you find a home you love and can afford it, buy it. If you're just looking for an 'investment', maybe look at stocks instead.
avatar
Yulia_M
Joined:
06.05.2022
Posts: 721
19.03.2026 13:43
In reply to a previous post
I'm with you on the cold feet. I've been watching listings for six months and haven't pulled the trigger yet. It feels like we're at a turning point.
avatar
cris_r
Joined:
02.03.2021
Posts: 1058
20.03.2026 22:22
In reply to a previous post
Just remember that interest rates are temporary, but the purchase price is forever. You can always refinance later if rates drop.

Want to join the discussion?

Log in to your account to post a reply in this thread.