Blog Stories Homeownership: Your Best Hedge Against Inflation

Homeownership: Your Best Hedge Against Inflation

By Tracey Henkels, June 14, 2024

Buying a home is the most expensive and important financial transaction most people will ever make. It’s also the strongest tool and best hedge they will have in their portfolio to fight inflation. While money invested in a stock may go down, historically, your home appreciates in value over the long-term. And as you build equity in your home, you increase your overall net worth.

Benefits of Owning Your Home: 

  • A fixed-rate mortgage offers a predictable monthly payment, even with the changes in tax and insurance costs.
  • The interest you pay on your mortgage, insurance premiums and property taxes may
  • be deductible. Consult your tax advisor for more information.
  • You can make any changes and renovations you desire, without asking for your landlord’s permission. 
  • When you have a HELOC (home equity line of credit), you can tap into it for home improvements, renovations or other needs. 

Homeowners in 2022:

  • Gained an average of $34,300 in equity in the third quarter
  • Had an average of $300,000 in total equity. 
  • Sold for a median of $85,000 above the purchase price 

If you, or someone you know, are interested in a more in-depth analysis of how much your home has appreciated since you purchased it, please reach out! I’d be happy to create a report for you.

Tracey Henkels

Principal Broker | Earth Advantage | OR


Tracey Henkels attributes her disciplined nature and relentless work ethic to a childhood spent rising and retiring by the light of the sun on her family's apple orchard in Iowa. Gratefully, that Midwestern mentality has served her well over the years as Tracey continues to deliver excellent customer service, superior technical skill, and a wide array of industry knowledge on behalf of her clients. While Tracey wouldn't trade her career as a Real Estate broker for any other, her first love was Architecture. After receiving her degree at Iowa State University, Tracey worked in the architecture world for over 6 years before deciding she wanted to forge a new professional path. In 2004, Tracey jumped heart-first into the world of helping her people buy and sell houses. She's never looked back. When you meet Tracey, one of the first things you notice is her positive energy, and zest for life. One of her favorite things about being a broker is the ability to help people make powerful transitions. Tracey's natural patience, unwavering professionalism, and optimistic attitude make her both a compassionate broker and tough negotiator. Tracey is committed to serving others, making a difference in her community, and giving back. When she isn't working hard to best serve her clients, you might find her tending to her garden, growing fresh vegetables and beautiful flowers, cross country skiing, or planning her next exciting adventure.   Kelsey Burkett | Broker Licensed in OR |
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