You could look at the “market rate” which is simply to compare yourself to those around you.
A friend of mine invests in property and never pays the market rate; instead, he calculates what it’s worth to him. The “never mind the market rate” relies on personal choice, circumstance, and patience. He collects plenty of “no’s” while he waits for a “yes.”
Price is a story we tell ourselves and it pays to get our story straight.