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The idea is more common than you'd think — but before you tap your retirement savings, it's worth knowing what it actually costs.
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About 1 in 3 home sales happen in the last four months of the year — and that share has grown every year since 2023.
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Every year around this time, I talk to buyers who are planning to “wait for spring.”
They’re hoping rates will drop a little more. They’re expecting more inventory to hit the market. They assume spring is automatically the best time to buy.
But here’s what I always explain:
Buying a few weeks earlier can actually put you in a stronger position.
Many buyers are holding out, hoping mortgage rates will drop significantly. The reality? Most projections show rates hovering in the low-6% range this year.
Rates have already come down about a full percentage point compared to where they were. That improvement has quietly made a meaningful difference in monthly payments and overall affordability.
If rates stay relatively steady — and more buyers jump in this spring — you could end up competing harder for the same homes without gaining much financially by waiting.
Spring is traditionally the busiest time of year in real estate. More buyers enter the market, which means:
• Homes sell faster • Multiple offers become more common • Buyers feel rushed to make decisions
During the winter months, homes typically sit longer. That gives you more breathing room to evaluate options, negotiate, and make a confident decision instead of a pressured one.
This is something many buyers overlook.
When demand increases in the spring, prices often follow. Data from recent years shows that buyers who purchased earlier in the year saved tens of thousands compared to those who bought during peak spring and summer pricing.
It’s not about panic buying — it’s about understanding market patterns. When more buyers are competing, sellers gain leverage.
Real estate is hyper-local. National headlines don’t always reflect what’s happening in our neighborhoods.
In Fort Worth and the surrounding areas, the buyers who are thoughtful, prepared, and proactive are often the ones who win — not the ones trying to perfectly time the market.
Buying before spring isn’t about rushing. It’s about positioning yourself strategically.
Less competition. More negotiating room. Potential savings.
If you want to talk through what the current market looks like in Fort Worth — and whether moving now makes sense for you — I’m always happy to sit down and run the numbers with you.
— Joshua Mills Mills Real Estate Group | Fort Worth