{"id":4135,"date":"2022-04-26T05:00:24","date_gmt":"2022-04-26T10:00:24","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/how-homeownership-can-help-shield-you-from-inflation\/"},"modified":"2022-04-26T05:00:24","modified_gmt":"2022-04-26T10:00:24","slug":"how-homeownership-can-help-shield-you-from-inflation","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/how-homeownership-can-help-shield-you-from-inflation\/","title":{"rendered":"How Homeownership Can Help Shield You from Inflation"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/04\/25102825\/20220426-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"How Homeownership Can Help Shield You from Inflation | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>If you\u2019re following along with the news today, you\u2019ve likely heard about rising inflation. You\u2019re also likely feeling the impact in your day-to-day life as prices go up for gas, groceries, and more. These rising consumer costs can put a pinch on your wallet and make you re-evaluate any big purchases you have planned to ensure they\u2019re still worthwhile.<span id=\"more-46382\"><\/span><\/p>\n<p>If you\u2019ve been thinking about <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/05\/what-you-need-to-budget-for-when-buying-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">purchasing a home<\/a> this year, you\u2019re probably wondering if you should continue down that path or if it makes more sense to wait. While the answer depends on your situation, here\u2019s how <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/11\/using-your-tax-refund-to-achieve-your-homeownership-goals-this-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homeownership<\/a> can help you combat the rising costs that come with inflation.<\/p>\n<h4><strong>Homeownership Offers Stability and Security<\/strong><\/h4>\n<p><em>Investopedia<\/em> <a href=\"https:\/\/www.investopedia.com\/terms\/i\/inflation.asp\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a> that during a period of high inflation, prices rise across the board. That\u2019s true for things like food, entertainment, and other goods and services, even housing. Both <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/03\/16\/are-you-wondering-if-this-is-the-year-to-buy-a-home\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">rental prices<\/a> and <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/07\/the-future-of-home-price-appreciation-and-what-it-means-for-you\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a> are on the rise. So, as a buyer, how can you protect yourself from increasing costs? The answer lies in homeownership.<\/p>\n<p>Buying a home allows you to stabilize what\u2019s typically your biggest monthly expense: your housing cost. If you get a fixed-rate mortgage on your home, you lock in your monthly payment for the duration of your loan, often 15 to 30 years. James Royal, Senior Wealth Management Reporter at <em>Bankrate, <\/em><a href=\"https:\/\/www.bankrate.com\/investing\/inflation-hedges-to-protect-against-rising-prices\/\" target=\"_blank\" rel=\"nofollow noopener\">says<\/a>:<\/p>\n<blockquote>\n<p><em>\u201c<strong>A fixed-rate mortgage allows you to maintain the biggest portion of housing expenses at the same payment.<\/strong> Sure, property taxes will rise and other expenses may creep up, but your monthly housing payment remains the same.\u201d<\/em><em>\u00a0<\/em><\/p>\n<\/blockquote>\n<p>So even if other prices rise, your housing payment will be a reliable amount that can help keep your budget in check. If you <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/02\/25\/the-difference-between-renting-and-owning-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">rent<\/a>, you don\u2019t have that same benefit, and you won\u2019t be protected from rising housing costs.<\/p>\n<h4><strong>Use Home Price Appreciation to Your Benefit<\/strong><\/h4>\n<p>While it\u2019s true rising <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/20\/how-to-approach-rising-mortgage-rates-as-a-buyer\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">mortgage rates<\/a> and <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/03\/24\/what-you-can-expect-from-the-spring-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home prices<\/a> mean buying a house today costs more than it did a year ago, you still have an opportunity to set yourself up for a long-term win. Buying now lets you lock in at today\u2019s rates and prices before both climb higher.<\/p>\n<p>In inflationary times, it\u2019s especially important to invest your money in an asset that traditionally holds or grows in value. The graph below shows how home price appreciation outperformed inflation in most decades going all the way back to the seventies \u2013 making homeownership a historically strong hedge against inflation (<em>see graph below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/04\/25102826\/20220426-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-46384\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/04\/25102826\/20220426-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"How Homeownership Can Help Shield You from Inflation | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p>So, what does that mean for you? Today, experts say home prices will only go up from here thanks to the ongoing imbalance in supply and demand. Once you buy a house, any <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/03\/21\/the-average-homeowner-gained-more-than-55k-in-equity-over-the-past-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home price appreciation<\/a> that does occur will be good for your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/04\/08\/do-you-know-how-much-equity-you-have-in-your-home-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">equity<\/a> and your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/03\/28\/a-key-to-building-wealth-is-homeownership\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">net worth<\/a>. And since homes are typically assets that grow in value (even in inflationary times), you have peace of mind that history shows your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/02\/21\/real-estate-voted-the-best-investment-eight-years-in-a-row\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">investment<\/a> is a strong one.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>If you\u2019re ready to buy a home, it may make sense to move forward with your plans despite rising inflation. If you want expert advice on your specific situation and how to time your purchase, let\u2019s connect.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re following along with the news today, you\u2019ve likely heard about rising inflation. You\u2019re also likely feeling the impact in your day-to-day life as prices go up for gas, groceries, and more. These rising consumer costs can put a pinch on your wallet and make you re-evaluate any big purchases you have planned to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4136,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-4135","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Homeownership Can Help Shield You from Inflation&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/how-homeownership-can-help-shield-you-from-inflation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Homeownership Can Help Shield You from Inflation&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re following along with the news today, you\u2019ve likely heard about rising inflation. 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