Let’s be honest: if you’ve got a 3% mortgage rate, that’s hard to walk away from. It’s a rate many buyers today would dream about—and it’s no wonder some homeowners are hesitant to let that go.
But here’s a better question to ask than “Why would I move with such a low rate?”
Ask this instead:
“Will this home still fit my life in 5 years?”
Because the truth is, people don’t move for rates—they move for lifestyle. Whether it’s a growing family, retirement, an empty nest, or the dream of coastal living finally calling you home, life changes drive moves—not interest rates.
So let’s dig into why now might still be the right time for you to make your move.
1. Life Moves Fast—Is Your Home Still the Right Fit?
Think ahead a bit. What does the next five years look like for you?
- Expanding your family?
- Downsizing now that the kids are gone?
- Looking for a quieter life near the water?
- Tired of climbing stairs or managing too much space?
If your current home won’t serve your future well, it might cost more in the long run to stay put than to move now.
2. Home Prices Are Expected to Rise—Here’s What That Means for You
According to Fannie Mae, over 100 housing experts agree: home prices are projected to rise steadily through at least 2029.
Let’s say you’re thinking about buying a home around $400,000. In just five years, based on expert forecasts, that same home could cost nearly $80,000 more.
That’s not just pocket change—it’s the kind of difference that can affect your lifestyle, your monthly budget, and your long-term financial goals.
Waiting could mean:
- A higher purchase price
- Increased competition
- Less buying power
3. Don’t Wait on 3% Rates—They’re Not Coming Back
You might be holding out for rates to fall again. But even the most optimistic experts don’t see a return to the historic lows of 2020–2021.
Here’s what current projections say:
- Rates may dip slightly—but not drastically
- 3% rates are not expected to return
So while you’re waiting for the “perfect” rate, home prices could be rising steadily in the background—eating away at your potential savings.
4. It’s Not Just About the Math—It’s About Your Future
At Carolina Coastal Group, we believe every move should be personal and purposeful. Our team is here to help you think through all the numbers, yes—but also your lifestyle, your goals, and your why.
Here’s how we serve homeowners like you:
- Hyper-local market insight to time your move right
- Strategic planning to align with your financial and family goals
- Personalized guidance so you’re never making the decision alone
Bottom Line: A 3% Rate is Great, But It Shouldn’t Be a Roadblock
If a move is even on the horizon, now’s the time to start the conversation. The earlier you understand the financial picture, the more informed your decision will be.
At Carolina Coastal Group, we’re more than real estate experts—we’re trusted partners in helping you build your future, one thoughtful move at a time.