Should You Sell First or Buy First?

If you’re planning a move, this is one of the hardest questions to answer. Selling first feels safer. Buying first feels easier. The truth is, neither option is always right. The best choice depends on your finances, risk tolerance, and how your local market behaves.

Here’s how to think it through calmly and clearly.

Selling First: The Safer Route

Why Selling First Works for Many People

Selling first gives you certainty. You know exactly how much equity you have and what you can afford next.

Pros:

• Clear budget and buying power

• No risk of carrying two mortgages

• Less financial pressure

• Stronger position when making offers

Cons:

• You may need temporary housing

• Pressure to find your next home quickly

• Less flexibility on timing

Selling first is ideal for buyers who value financial clarity and lower stress.

Buying First: The Convenience Play

Why Some Buyers Choose to Buy First

Buying first can feel smoother, especially for families or anyone trying to avoid multiple moves.

Pros:

• One move instead of two

• More time to find the right home

• Easier transition for kids, pets, or work schedules

Cons:

• Risk of carrying two homes

• May need bridge financing or strong cash reserves

• Contingent offers can be less appealing to sellers

Buying first works best when finances are strong and the current home is likely to sell quickly.

What Usually Decides the Right Answer

Your Financial Cushion

If you can comfortably handle overlap or qualify for bridge financing, buying first may be an option. If not, selling first reduces risk.

Your Home’s Marketability

If your current home is in high demand and priced well, buying first feels safer. If it may take time to sell, selling first is usually smarter.

Market Conditions

In slower markets, selling first protects you. In competitive markets with limited inventory, buying first may be necessary to secure a home.

Your Stress Tolerance

Some people prefer certainty. Others prefer flexibility. Neither is wrong.

A Smart Middle Ground: Rent-Back Agreements

Some sellers negotiate a rent-back, allowing them to stay in the home for a short period after closing while they buy their next property. This can combine the benefits of both approaches if structured correctly.

How This Plays Out Locally

In markets like Marin County, timing, inventory, and buyer demand can swing the decision. Many successful moves come down to strategy rather than a fixed rule.

Final Thoughts

The right move isn’t about perfect timing. It’s about minimizing risk while protecting your lifestyle and finances.