Buying a Home May Help Shield You from Inflation

Inflation has been hitting all of us hard lately—from groceries to gas, everything just seems to cost more. It’s no surprise that many people are wondering whether now is the right time to buy a home or if they should wait. But here’s something I’ve learned: homeownership can actually be one of the best ways to protect yourself from rising costs.

A Fixed Mortgage Protects You from Rising Housing Costs
One of the biggest advantages of buying a home is locking in your monthly housing payment with a fixed-rate mortgage. While rent tends to rise over time—sometimes even outpacing inflation—a fixed mortgage gives you stability. I’ve seen so many renters struggle with unexpected rent hikes, making it harder to budget and save. But when you own a home, your principal and interest payments stay the same, providing financial predictability. Looking at historical trends, rents have consistently increased year after year, making homeownership an appealing way to avoid the uncertainty of rising housing costs.

Home Prices Typically Rise Faster Than Inflation
Real estate has a track record of appreciating over time, often growing at a rate faster than inflation. That means when you own a home, you’re not just keeping up with inflation—you’re building wealth. Every mortgage payment I make isn’t just covering my housing cost; it’s also helping me build equity. On the other hand, renting means paying more over time without getting any long-term financial benefits. When I look at how home prices have performed historically, I see how homeownership has helped so many people grow their wealth while renters continue to pay more for a place that never becomes their own.

The Long-Term Financial Benefits of Homeownership
Owning a home isn’t just about having a place to live—it’s about long-term financial security. Experts predict that home prices will continue to rise, meaning buying now could put you in a strong financial position down the road. Inflation has a way of eroding the value of cash savings, but real estate tends to hold or even increase in value over time. I see homeownership as a hedge against inflation, a way to protect my finances while also investing in my future.

Stability and Wealth-Building Through Homeownership
When I think about the benefits of homeownership, two things stand out: stability and wealth-building. Having a fixed mortgage payment makes it easier to budget, while home appreciation helps build long-term financial security.

Ready to take control of your housing costs and start building wealth? Whether you’re buying your first home or just exploring your options, I’m here to help. Let’s connect and talk about how homeownership can benefit you in today’s market! Email me at kevin@pickettrealestategroup.com or call me at 415.283.7919 

San Mateo County Rolling 3-Month Data

Below, our data is based on averages for Single-family homes in San Mateo County over the last 90 days (December 2024 to February 2025). This data was gathered on March 4, 2025. 

San Mateo County Market Report

Thinking of selling? 

I'd love to discuss your home's value and positioning in the current market. Call or text Kevin at 415.283.7919 or email Kevin at Kevin@PickettRealEstateGroup.com