🏠 Should You Buy a Home in 2025? Addressing the Top Consumer Concerns

In 2025, potential homebuyers are facing more questions than ever. With mortgage rates hovering near 7%, inflation still in play, and home prices remaining high in many markets, it's no wonder so many are asking:

“Is now really a good time to buy a house?”

Let’s break down the top concerns we're hearing from real estate consumers across the country—and offer some clarity to help you make the best decision for your situation.

📉 Concern #1: “Housing is too expensive right now.”

You’re not wrong—home prices have surged since the pandemic. Even with some recent market softening, affordability remains a real issue. According to industry analysts, many buyers are spending 35% or more of their income on housing, which far exceeds the recommended 28% rule.

Our Advice:

• Focus on your monthly payment, not just the price tag. A slightly lower-priced home with a high rate might cost more each month than a modest home with a more favorable loan structure.

• Look into assumable loans—some sellers have existing mortgages with lower rates that you could take over.

• Consider neighborhoods with growing inventory, where sellers may be more flexible.

📉 Concern #2: “Mortgage rates are too high.”

Yes, rates are higher than they were in the 2020-2021 boom. But historically speaking, today’s rates are not abnormal. In the early 2000s, 6-7% was the standard. In 1981 they were at 18%!

Our Advice:

• If the right home comes along and you can comfortably afford the payment, buy now and refinance later if rates drop.

• Use the higher-rate environment to your advantage—there's less competition, which could mean better prices and fewer bidding wars.

• Work with a lender who can offer rate buydown programs or help you plan for a future refinance.

📉 Concern #3: “The market feels unstable.”

With economic uncertainty, potential job shifts, and election year volatility, many buyers are hesitant to make a big move.

Our Advice:

• Real estate is a long-term investment. If you plan to stay in the home for 5+ years, the short-term fluctuations matter less.

• Owning a home provides stability, equity growth, and tax advantages that renting can’t.

• If you're unsure, explore lease-to-own programs or low-commitment options that still give you a foothold in the market.

📉 Concern #4: “Everyone says it’s a bad time to buy.”

A recent Gallup survey found that 72% of Americans think it’s a bad time to buy. But public sentiment often lags behind actual market opportunity.

Our Advice:

• Let the data—not just headlines or opinions—guide your decision.

• Markets are local. While some areas are cooling off, others remain highly competitive. A trusted local agent can help you interpret what’s happening in your zip code, not just nationwide.

📈 Bottom Line: A "Bad Time to Buy" For Some Could Be a Great Time For You

There’s no perfect market—only the right time for you.

If your finances are stable, you plan to stay put, and you’ve found a home that fits your needs, this could be a smart time to act. Sellers are more negotiable, competition has eased, and more inventory is coming online.

Still unsure? That’s okay. Let’s talk through your concerns. Whether you're ready to buy now or just exploring options, having the right guidance is the first step to making a confident decision.

📞 Want to chat about your homeownership goals?
I'm just a call or message away—no pressure, just real answers.

Sean Tavalozzi ~ Realtor
Keller Williams
Danmar Properties Group
Personal Cell: 203-233-8445
Main KW Office: 410-729-7700
Work Phone: 301-945-8697