Geekabode

Buy now
or wait?

Your numbers and this week's 30-year rate from Freddie Mac, compared in dollars. City data from Realtor.com and FHFA is in Compare cities.

Enter your numbers

Today's rate. This week's news.

The 30-year rate from Freddie Mac, and the housing news that can move it. Every story links to its publisher.

Loading news...

Your numbers.

Needed: a city or ZIP, a down payment, and a home price or the most you can pay each month. Anything else you skip is left out, and the answer says how that changes it.

Your numbers
Sets the property tax rate for your area.
Include property tax and insurance.
Enter 0 if you do not pay rent now. If you leave it blank, the waiting side leaves rent out and the answer shows no direction.
Marks the matching wait in the scenario table and goes into the written read. It does not change the dollar figures.

Leave a field empty if you don't know it. It is listed as unknown rather than counted as zero.

Reference: NAIC Homeowners Insurance Report (2023 data)
This week's rate has not loaded yet.

These drive the scenario table. The defaults are starting points, not advice; change any value to match your case.

Upkeep, repairs and replacing worn systems, not remodels. About 1% of the price a year is typical; nearer 0.5% for a home under 10 years old, 1.5-2% for one over 30. Reference: Harvard JCHS, Improving America's Housing 2025
Private mortgage insurance, charged only while the down payment is under 20% of the price; prefilled from your down payment.
How long you might wait before buying. Separate values with commas, e.g. 6, 12.
Mortgage-rate moves to test by the time you buy, in percentage points from today's rate; prefilled around the official forecast. Negative means rates fall. Comma-separated.
Home-price moves to test by the time you buy; prefilled around the official forecast. Negative means prices fall. Comma-separated.
Paid once when you buy.
Lender and title fees if you refinance later, as a share of the remaining balance; typically 1-3%, excluding prepaid taxes and insurance. Reference: Freddie Mac, Planning to refinance
Press Enter in any field to run.

No account needed for the numbers.

Educational estimate, not financial advice

Compare cities.

Your city next to up to four others. Rates and listing data side by side.

Write each city as City, ST (for example Austin, TX) or enter a 5-digit ZIP code (for example 40014).

Market snapshot

Rates and listing statistics

Loading market data...

Analyze a house.

Pick a listing to compare its price with similar homes sold nearby. Needs sign-in.

Search for a home in Search for homes, then choose Analyze on the listing you want. There is nothing to analyze until a search has returned a home.