My Honest Thoughts About Buying A Home In Arizona Right Now

If you are waiting for “the perfect time” to buy in Arizona, you might be waiting forever.

My Honest Thoughts About Buying A Home In Arizona Right Now

People are confused.

Rates are weird.

Headlines are loud.

I get asked the same thing almost every day.

“Cody, is now even a good time to buy a house in Arizona?”

Here are my real thoughts. No hype. No fear tactics. Just what I see every day as a working agent in this market.

What Is Actually Happening In Arizona Right Now

You see scary headlines.

You hear your coworker say “I’m just going to wait for prices to crash.”

Meanwhile

- Homes are still selling

- People are still moving in from out of state

- Well priced homes still get multiple offers

Is it 2020 again? No.

Is the market dead? Also no.

The real story is this

- Inventory is higher than the crazy low years

- Sellers who price right are getting solid offers

- Buyers have more room to negotiate than they did before

The people who win are the ones who deal with the market in front of them. Not the market they wish they had.

My Thoughts If You Are A First Time Buyer

If this is your first home in Arizona, here is how I’d think about it.

1. Stop chasing the “perfect” interest rate

You will not time the bottom.

If rates drop later, you can refinance.

If they go up, today’s rate will look cheap.

2. Focus on payment, not price

What can you comfortably afford each month?

That number should drive the search.

Not what your friend bought for three years ago.

3. Be clear on why you are buying

- Stability

- School district

- Shorter commute

- Equity instead of rent

Your “why” should be stronger than your fear of headlines.

4. Ask better questions

Instead of “Is now a bad time to buy?” try:

- “What can I realistically buy with my budget right now?”

- “What areas give me the best long term upside?”

- “What would this look like if I held it for 5–7 years?”

My Thoughts If You Already Own And Want To Move

This is where people get stuck.

You probably have a lower rate on your current home.

You do not want to trade a 3 percent loan for a higher one. I get it.

Here is how I’d think about it as a homeowner.

1. Do the math, not the emotion

What is the:

- New payment

- New taxes and insurance

- Net after selling your current home

- Real monthly difference

Sometimes the payment jump is worth it for lifestyle.

Sometimes it is not.

2. Count the “hidden” benefits

- Better school district

- Closer to work or family

- Better fit for kids, hobbies, or work from home

- Neighborhood you actually like

If you spend more time at home than anywhere else, the quality of that space matters.

3. Remember you are not stuck forever

You can:

- Refinance later

- Rent this home out in the future

- Use equity for your next move

This does not have to be your forever decision. It is just your next decision.

The Biggest Mistake I See Buyers Make Right Now

They do nothing.

Not “wait with a plan.”

Not “save aggressively and learn the market.”

They scroll.

They complain about rates.

They watch others buy.

Then they get hit with higher rents.

Or they come back two years later and say

“I wish I would have bought when I first talked to you.”

Doing nothing is still a choice. And it usually costs you.

How I Help You Think Through This

My job is not to pressure you into buying.

My job is to help you make a clean decision.

When we sit down, we walk through:

- Your budget and comfort zone

- Your timeline

- Your goals for the next 3–7 years

- The real numbers on homes that match that

We look at actual listings.

We look at true monthly payments.

We walk through different scenarios.

Sometimes the answer is “yes, let’s buy.”

Sometimes the answer is “not yet, here is the game plan for the next 6–12 months.”

Both are wins if they fit your life.

My Honest Take

There is no “right” time for everyone.

There is only the right time for you.

If:

- You have stable income

- You plan to stay in Arizona for a few years

- You are tired of rent and want a place of your own

Then it is at least worth a real conversation.

Let’s Talk Through Your Situation

If you want an honest, no BS look at your options, reach out.

Tell me:

- Your rough budget

- Where you want to live

- Your timeline

I will give you my real thoughts on:

- Whether buying makes sense right now

- What you can actually get

- What steps to take next, even if that means waiting

You do not need another scary headline.

You need a clear game plan.

Let’s build it.

Cody Stephens - The Ultra Agent

Real Estate Agent with W&Partners

801-979-8663 call or text me anytime