Everyone’s sitting on the sidelines waiting for rates to drop below 6%. Here’s what they’re missing: THE MATH: Buy today at 6.3% $500K home, 20% down Monthly payment: $2,467 Wait 12 months for 5.5% Same home now $520K Monthly payment: $2,362 You save $105/month but paid $20K more for the house. Takes 15.8 YEARS to break even. WHAT’S HAPPENING NOW (October 2025): Rates at 6.30% - lowest since Sept 2024 Inventory up 27% year-over-year 20% of homes had price cuts in September Days on market: 62 day

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