re you searching for a move-in-ready home that offers the perfect balance of community, comfort,...
Whether you’re eyeing a modern condo in Chandler or a scenic desert home in Ahwatukee, the decision to buy a home is a major milestone. With the 2026 market showing signs of stabilization and more breathing room for buyers, you might be wondering if this is your year to dive in.
Navigating mortgage rates and local inventory in the East Valley can feel like a lot to manage. But here is the most important thing to remember: While the Chandler and Ahwatukee housing markets provide the backdrop, your personal financial situation and life goals are the true lead actors in this story.
As a recent NerdWallet article puts it:
“Housing market trends give important context. But whether this is a good time to buy a house also depends on your financial situation, life goals and readiness to become a homeowner.”
Instead of trying to "time the market," focus on what you can control. Here are five questions to help you gain clarity on your next move in the Arizona East Valley.
1. Is your income stable?
Buying a home in a sought-after area like Chandler is a significant commitment. When you take out a mortgage, you’re promising to pay that loan back over time. Having a reliable job and a steady stream of income provides the peace of mind you need when making a purchase this large.
2. Do you know your "True North" budget?
Once you have a steady paycheck, you need to determine what you can actually afford. This isn't just about the sticker price of a home near the Ahwatukee Foothills; it’s about your spending habits, existing debts, and lifestyle.
This is where I can help. I can connect you with trusted local lenders who understand the Arizona real estate market. They’ll walk you through pre-approval, explain how current rates impact your monthly payment, and help you budget for closing costs so there are no surprises.
3. Is your emergency fund ready?
Crunching the numbers is vital, but so is keeping a "rainy day" fund. You never want to be "house-poor"—where all your money goes to your mortgage, leaving you vulnerable if an unexpected repair or medical bill pops up. CNET suggests:
“You’ll want to have a financial cushion that can cover several months of living expenses... in case of unforeseen circumstances.”
4. How long do you plan to enjoy the East Valley?
Buying a home involves upfront costs. While you recoup these costs through home equity, that process takes time. If you plan to move in a year or two, you might not see the full return on your investment.
Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), notes:
“Five years is a good, comfortable mark. If the price of your home appreciates considerably, then even three years would be fine.”
If you see yourself staying in Chandler or Ahwatukee for the long haul, buying makes a lot of financial sense.
5. Do you have a local expert in your corner?
You don't have to figure this out alone. Having a team that knows the specific nuances of Chandler neighborhoods and the Ahwatukee Foothills can make all the difference. As your local East Valley real estate professional, I can talk you through your options and help you decide if you’re ready to move now or if you should wait until a few more pieces are in place.
Bottom Line
If you want to have an honest conversation about your goals and the local market, I’m here to help.
Kip Wilkins is a dedicated REALTOR® with Equities Real Estate, LLC, and a key member of the Arizona Dream Living team. Specializing in Chandler, Ahwatukee, and the East Valley, Kip is known for his professionalism, integrity, and compassion.
With a special talent for guiding first-time homebuyers, Kip prioritizes education and transparency to ensure every client makes an empowered decision. Whether you are looking to build generational wealth or find your forever home, Kip’s deep market knowledge and negotiation skills are your greatest assets in the Arizona market.