Selling
Should You Sell Your House Now or Wait?
By David Golovin · September 11, 2026 · 3 min read
Should you sell your house now or wait? With 30-year rates at 6.76% and buyer demand slowing, the answer depends on your loan and your next move.
Source: Freddie Mac Primary Mortgage Market Survey
Sell now
- Prices near peak, median $400k, up 2.6% YoY
- Less seller competition in fall
- Assumable loan stands out to rate-sensitive buyers
- Locking in gains before any softening
Wait
- Buyer pool shrinks at 6.76% market rates
- Pending sales fell 0.2% YoY in August
- Rates could ease later and bring buyers back
- Less urgent if your next home is not lined up
Why your rate changes the calculus
If your mortgage is assumable, selling at current prices is more attractive. A buyer who assumes an estimated 4.83% rate instead of financing at 6.76% saves roughly $500 to $700 per month on a $400k loan. That is a real selling point. Roots has over 20,000 active assumable listings, and buyers search it for exactly this advantage.
What the fall market looks like
Pending sales fell 0.2% year-over-year in August, ending an eight-month growth streak. Fewer buyers than spring, but also fewer competing listings. Priced right, a fall sale still works.
Source: Realtor.com August housing report
The question that matters most
Where are you buying next? If high rates make your next purchase unaffordable, waiting to sell may just delay the same problem. Run the numbers on both sides of the transaction before deciding.
FAQ
Is it a good time to sell a house right now?
Prices are near all-time highs in most markets, but buyer demand has slowed with 30-year rates near 6.76%. Sellers who need to move can still sell; those who can wait may see more buyers if rates ease.
Does having an assumable mortgage help you sell faster?
It can. Buyers who assume your loan get your rate instead of the market rate. With an estimated average assumable rate of 4.83% on Roots vs. 6.76% market rates, that difference in monthly payment attracts serious buyers.
Will home prices drop this fall?
Most forecasters expect prices to stay flat or rise slightly through year-end. Supply is still low despite higher rates. A meaningful drop would require a significant economic shock beyond current conditions.