Why Time in the Market Beats Timing the Market for Homeowners

By William “Bill” Boswell

Bill is widely known as one of New Jersey’s most sought after real estate agents and is a sales associate of Keller Williams Prosperity Realty.

Why do some people seem to come out ahead in real estate, no matter when they buy? As Warren Buffett famously said, “time in the market beats timing the market,” and that idea continues to prove itself in housing year after year.

Think back to the surge in 2005, 2006, and 2007 and the steep drop that followed. Many buyers purchased at the peak, and some did lose equity for a time. However, those who stayed the course ended up far ahead. Their equity not only recovered but grew, and years of steady mortgage pay-down put them in a much stronger position than when they started.

That principle holds true today. As we head into 2026, there are bound to be scenarios that make people hesitate—questions about interest rates, longer-term mortgage options, and market uncertainty. To be clear, this isn’t about rushing anyone into a decision. I’ve always believed in helping clients make choices they’re comfortable with, without pressure.

The data is clear: waiting often costs more than acting. Most people who delay investing in real estate miss opportunities that rarely come back. If you need a roof over your head—whether you’re looking for more space, less space, or just a place to stay warm this winter—the choice is straightforward. You can rent and continue paying someone else’s mortgage, or you can buy and build your own equity.

In nearly every scenario, owning wins out in the long run. That’s the real meaning behind “time in the market,” and it’s why keeping a long-term perspective is so important. If you need more tips or have any questions about real estate, feel free to call me anytime at 973-224-4605 or send me an email at bill@northjerseyluxury.com. Let’s finish the search and get you into the right home.