{"id":4363,"date":"2022-10-05T05:00:02","date_gmt":"2022-10-05T10:00:02","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/the-long-term-benefit-of-homeownership\/"},"modified":"2022-10-05T05:00:02","modified_gmt":"2022-10-05T10:00:02","slug":"the-long-term-benefit-of-homeownership","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/the-long-term-benefit-of-homeownership\/","title":{"rendered":"The Long-Term Benefit of Homeownership"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/10\/04142817\/20221005-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"The Long-Term Benefit of Homeownership | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Today\u2019s cooling <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/14\/is-the-real-estate-market-slowing-down-or-is-this-a-housing-bubble\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">housing market<\/a>, the rise in mortgage rates, and mounting economic concerns have some people questioning: <em>should I still buy a home this year?<\/em> While it\u2019s true this year has unique challenges for homebuyers, it\u2019s important to factor the long-term benefits of homeownership into your decision.<span id=\"more-47254\"><\/span><\/p>\n<p>Consider this: if you know people who bought a home 5, 10, or even 30 years ago, you\u2019re probably going to have a hard time finding someone who regrets their decision.\u00a0Why is that? The reason is tied to how you gain <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/20\/watching-the-stock-market-check-the-value-of-your-home-for-good-news\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">equity<\/a> and <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/26\/the-true-strength-of-homeowners-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">wealth<\/a> as home values grow with time.<\/p>\n<p>The <em>National Association of Realtors <\/em>(NAR)\u00a0<a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/research-reports\/metro-area-housing-wealth-gains\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201cHome equity gains are built up through price appreciation and by paying off the mortgage through principal payments.<\/em>\u201d<\/p>\n<\/blockquote>\n<p>Here\u2019s a look at how just the home price appreciation piece can really add up over the years.<\/p>\n<h4><strong>Home Price Growth Over Time<\/strong><\/h4>\n<p>Even though <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/08\/30\/whats-actually-happening-with-home-prices-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home price appreciation<\/a> has moderated this year, home values have still increased significantly in recent years. The map below uses <a href=\"https:\/\/www.fhfa.gov\/DataTools\/Tools\/Pages\/House-Price-Index-(HPI).aspx\" target=\"_blank\" rel=\"nofollow noopener\">data<\/a> from the <em>Federal Housing Finance Agency<\/em> (FHFA) to show just how noteworthy those gains have been over the last five years.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/10\/04142819\/20221003-MEM-Eng-1.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-47258\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/10\/04142819\/20221003-MEM-Eng-1.png?resize=650%2C488&#038;ssl=1\" alt=\"The Long-Term Benefit of Homeownership | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p><strong>If you look at the percent change in home prices, you can see home prices grew on average by almost 64% nationwide over that period.\u00a0<\/strong><\/p>\n<p>That means a home\u2019s value can increase substantially in a short time. And if you expand that time frame even more, the benefit of homeownership and the <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/06\/how-owning-a-home-builds-your-net-worth\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">drastic gains<\/a> you stand to make become even clearer (<em>see map below<\/em>):<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/10\/04142815\/20221003-MEM-Eng-2.png?ssl=1\" target=\"_blank\" rel=\"nofollow noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-47256\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/10\/04142815\/20221003-MEM-Eng-2.png?resize=650%2C488&#038;ssl=1\" alt=\"The Long-Term Benefit of Homeownership | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a><\/p>\n<p><strong>The second map shows, nationwide, home prices appreciated by an average of over 290% over roughly a thirty-year span.<\/strong><\/p>\n<p>While home price growth varies by state and local area, the nationwide average tells you the typical homeowner who bought a house thirty years ago saw their home almost triple in value over that time.\u00a0This is why homeowners who bought their homes years ago are still happy with their decision.<\/p>\n<p>Even if home price appreciation eases as the market cools this year, <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/22\/what-experts-say-will-happen-with-home-prices-next-year\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">experts say<\/a> home prices are still expected to appreciate nationally in 2023. That means, in most markets, your home should grow in value over the next year even if the pace is slower than it was during the peak market frenzy when prices skyrocketed.<\/p>\n<p>The alternative to buying a home is <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/30\/why-buying-a-home-may-make-more-sense-than-renting-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">renting<\/a>, and rental prices have been climbing for decades. So why rent and fight annual lease hikes for no long-term financial benefit? Instead, consider <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/09\/15\/buyers-are-regaining-some-of-their-negotiation-power-in-todays-housing-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">buying a home<\/a>. It\u2019s an investment in your future that could set you up for long-term gains.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Don\u2019t let the shifting market delay your dreams. Data shows home values typically appreciate over time, and that gives your net worth a nice boost. If you\u2019re ready to start your journey to homeownership, let\u2019s connect today.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today\u2019s cooling housing market, the rise in mortgage rates, and mounting economic concerns have some people questioning: should I still buy a home this year? While it\u2019s true this year has unique challenges for homebuyers, it\u2019s important to factor the long-term benefits of homeownership into your decision. Consider this: if you know people who bought [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4364,"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-4363","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>The Long-Term Benefit of Homeownership&#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\/the-long-term-benefit-of-homeownership\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Long-Term Benefit of Homeownership&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Today\u2019s cooling housing market, the rise in mortgage rates, and mounting economic concerns have some people questioning: should I still buy a home this year? 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