Everyone is waiting for interest rates to fall—but that strategy may be doing more harm than good. History and data continue to show the same pattern: when rates dip, buyer demand surges, competition spikes, and home prices rise. The affordability buyers expect from lower monthly payments often disappears as bidding wars return and purchase prices climb. Lower rates don’t automatically equal better deals—they often reset the market in favor of sellers.

The real issue in today’s housing market isn’t rates—it’s inventory. Supply remains tight, and until more homes hit the market, any drop in rates simply pours fuel on an already competitive environment. Buyers aren’t being priced out by interest rates alone; they’re being boxed out by lack of options. For agents, understanding this shift is critical. Waiting for rates to “save” affordability could end up being the most expensive delay of all.

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