Misty Sumner
Misty Sumner · Lic. S.0192497
The Roland Team · Las Vegas, NV
HOME BUYER'S UNFAIR ADVANTAGE KIT
The Wait vs. Buy
Calculator
See the real cost of waiting — in actual dollars. Adjust any number to match your situation.
Target Home Price Your budget or target price
$
Monthly Rent What you pay now
$
Down Payment Saved What you have set aside
$
Mortgage Rate (30-yr fixed)
6.50%
Las Vegas avg: 6.50% (May 2025)
Annual Home Appreciation
4.5%
Las Vegas historical avg: ~4.5% — varies significantly year to year
Here's What the Numbers Say
Buy Now
Home price today
Down payment needed
Est. monthly mortgage
Rent paid while deciding$0
Total cost of waiting$0
Total Cost of Waiting (Rent + Price Increase)
Wait 6 Months
Home price then
Price increase
Rent paid while waiting
Higher monthly payment
Total cost of waiting
Wait 12 Months
Home price then
Price increase
Rent paid while waiting
Higher monthly payment
Total cost of waiting
Wait 24 Months
Home price then
Price increase
Rent paid while waiting
Higher monthly payment
Total cost of waiting
These calculations are estimates based on the inputs you provided and publicly available Las Vegas market data. Past home price appreciation rates are not a guarantee, prediction, or indication of future performance. Real estate markets fluctuate — appreciation can be higher or lower than historical averages depending on economic conditions, interest rates, and local inventory. Mortgage rate estimates are based on current averages and will vary based on credit, loan type, and lender. This tool is for educational purposes only and does not constitute financial, legal, or investment advice. Always consult a licensed lender and real estate professional before making any purchase decision.
Misty
Misty Sumner
The Roland Team · Las Vegas, NV · Lic. S.0192497
These numbers don't lie — and neither do I. Whether you're ready now or building toward it, let's talk about what buying actually looks like for your situation. No pressure, just clarity.
📞 Call or Text (775) 429-8704