A sensible offer starts with the specific home, not a townwide percentage. Your purchase deserves that care, and I would work through the price and terms with you before suggesting an amount.
The latest market report covers Savage single-family homes, condos, townhouses and apartments. The typical sale price was $439,900, providing a townwide reference for completed sales. Homes sold for an average of 98.6% of their asking prices. Reported housing supply, measured in months, was 3.33 months.
Those figures provide context, but they do not establish the right offer for the home you choose. I would give recent sales of similar homes more weight than a blanket discount from the asking price. A lower price also deserves scrutiny when the proposed terms require giving up protections you need.
Review differences in size, condition and features with me to establish a reasonable offer range. Confirm your payment comfort and money needed at closing with your lender before setting the maximum price you are comfortable offering. Decide which financing and inspection requirements belong in your offer before discussing changes to those protections.
