Thursday, November 6, 2025 / by Diane Breard
Why Now Is Still a Smart Time to Buy a Home in Arizona — Even Before Rates Come Down
Many buyers are sitting on the sidelines waiting for interest rates to drop before purchasing a home. While that might sound like the safe move, the reality is that waiting could actually cost you more in the long run — especially here in Arizona, where demand and home values continue to rise.
Here’s why buying now, rather than waiting, can be a smart financial decision:
1. Home Prices Are Continuing to Rise
Even with higher rates, Arizona’s housing market remains strong. Low inventory and steady demand mean home prices are still trending upward in most areas. If you wait for rates to drop, there’s a good chance you’ll be paying more for the same home later.
2. You Can Always Refinance Later
As the saying goes — “Marry the house, date the rate.” You can lock in your dream home now and refinance when rates eventually decrease. This approach allows you to start building equity today instead of waiting for the “perfect”m ...
Here’s why buying now, rather than waiting, can be a smart financial decision:
1. Home Prices Are Continuing to Rise
Even with higher rates, Arizona’s housing market remains strong. Low inventory and steady demand mean home prices are still trending upward in most areas. If you wait for rates to drop, there’s a good chance you’ll be paying more for the same home later.
2. You Can Always Refinance Later
As the saying goes — “Marry the house, date the rate.” You can lock in your dream home now and refinance when rates eventually decrease. This approach allows you to start building equity today instead of waiting for the “perfect”m ...
