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Thinking of buying in St. Augustine? Read this 1st!

By
Real Estate Agent with Florida Homes Realty and Mortgage

You’ve probably heard someone say, “The best time to buy a home was yesterday. The next best time? Today.”

It sounds cheesy... but guess what? It’s TRUE.

Buying a home is about playing the long game — not trying to hit some "perfect moment" where prices magically drop and rates are dreamy. Spoiler alert: that unicorn moment? It rarely shows up.

Here’s what a lot of people don’t realize:
The longer you wait, the more buying a home could cost you. And you deserve to know why.

Experts (think over 100 serious housing pros who eat market trends for breakfast) are all saying the same thing: home prices are projected to keep rising through at least 2029.

Not crazy jumps like we saw during the frenzy years — but a good, solid, healthy 3-4% each year.  Slow and steady wins the race... and builds your wealth.

Even if your local market cools off here and there, over time, homeowners almost always come out ahead.

Translation:

  • Next year's homes will cost more than this year's.
  • Waiting for the perfect mortgage rate or a big price dip? It could actually cost you more in the long-term
  • Buying now = building equity sooner = Future You will be doing a happy dance.

Let’s break it down with some real numbers:

Buy a $400,000 home in 2025. By 2030? That home could be worth nearly $80,000 MORE. That's not just a win — that's a major wealth builder.


Bottom line?

It’s not about timing the market. It’s about TIME IN the market.

If you're thinking about making a move — even if you're just curious — let's chat. I'll help you come up with a smart plan that fits you.

Shoot me a message or call/text: 904-591-9121
Or email: AgentMTaylor@gmail.com

Posted by

Marjorie Taylor, Broker Associate

Marjorie Taylor, is a licensed Real Estate Broker Associate with Florida Homes Realty and Mortgage.  Representing the North East Florida area. A community leader, active in the St. Augustine Regional Council, Taylor is past Director and Technology Committee Chairman of the St. Augustine St. Johns County Board of REALTORS.  A Certified Home Stager, she is professionally educated and trained, having earned the designations of CDPE, CRS, CSP, e-PRO, GREEN, GRI, TRC.

Marjorie is passionate about St. Augustine and the needs of her clients. Past recipient of the Entrepreneur of the Year - Women’s Council of REALTORS St. Augustine Regional.

904-591-9121
AgentMTaylor@gmail.com
MyFHRM.com

Comments(3)

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Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello and love the city, small streets and lot of history, my sister lives there and I get there every 2 years.

Apr 26, 2025 10:51 AM
Marjorie Taylor

It is our little slice of Paradise, that's for sure. Our current favorite restaurant is Purple Olive at the Beach.  You should check it out next time you are here.... in an unassuming strip mall on A1A.  Their prix fixe menu cant be beat!

 

Apr 26, 2025 11:11 AM
Roy Kelley
Retired - Gaithersburg, MD

This is good advice to share with prospective home buyers.

Many retirees in the DC Metro Area are moving to Florida.

Apr 26, 2025 11:08 AM
Marjorie Taylor

I have family in the DC area and don't get there as much as I'd like. They all will be retiring in St. Augustine.  Maybe we could share some referrals

Apr 26, 2025 11:12 AM
Dennis Neal
Exp Realty of Southern California, Inc. - Big Bear Lake, CA
Your Home Sold in 21 Days or We Sell It For Free

Marjorie, you've presented a compelling argument for buying now in St. Augustine! Framing homeownership as a "long game" and highlighting the projected price increases through 2029 with concrete numbers ($400,000 home potentially gaining $80,000 in value by 2030) is very persuasive. Emphasizing "time in the market" over timing the market is a key takeaway. This is valuable advice for anyone on the fence about buying!

Apr 26, 2025 01:06 PM
Marjorie Taylor

Thank you so much for your kind words. I’m glad the message resonated with you — time in the market really does make all the difference. Appreciate you taking the time to share your thoughts!

Apr 26, 2025 07:37 PM