Some would-be home buyers are rooting for a full-on housing market crash because prices have zoomed so far past the point of affordability. Please “crash faster so I might be able to own my own place one day,” a Twitter user pleaded. Another user tweeted, “Let’s hope there’s a housing market crash so people have the chance of starting a family and owning their home.”

Whether or not it pleases would-be buyers, we’re unlikely to have a repeat of a crash like the country experienced from 2008 to 2014, when house prices fell by double-digit percentages from their 2007 peak.

Prices “might go down a little bit, but a crash I consider to be a more than 10% decline in home values, and that seems far-fetched right now,” says Daryl Fairweather, chief economist for real estate brokerage Redfin.

Some forecasters expect home prices to drop nationally by a few percentage points over the next year or two and to fall significantly in a few metro areas. But little consensus exists on which cities will have the biggest declines.

Whether you long to buy your first home or you own one and have considered selling, here’s what falling prices could mean for you.

If prices fall, buyers may stall

Let’s say you want to buy a home and prices are dropping in your city. You’ll be tempted to wait. After all, why buy a house today if you believe you’ll be able to pay less for a similar house in a few months?

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