Market report · Updated September 2026
San Diego County housing market, translated into plain English
This report summarizes where the San Diego County housing market stands in 2026 and what the numbers mean for buyers and sellers. The short version: prices are holding near record highs, inventory is the healthiest it has been since 2019, and well-priced homes still sell, just on calmer timelines than the peak years.
Countywide picture
A balanced market, with prices holding firm
The 2025 market shifted from a tight seller's market to a more balanced one, and 2026 has continued that trend. Inventory rose to its highest summer level since 2019 last year before settling, and days on market climbed to a more normal pace. At the same time, the county median price has held near $905K to $925K through 2026, roughly flat to up slightly year over year. The biggest single force remains mortgage rates, which spent 2025 in the 6.5% to 7% range and stabilized in the low 6s in 2026. When rates briefly dipped below 6% in February 2026, sales jumped about 22% month over month, a sign of how much pent-up demand is waiting on the sidelines.
~$905K
County median home price, early 2026
Up about 1% year over year
2.2 mo
Months of supply, spring 2026
Still a seller-favorable range
~28-44
Average days on market, 2026
Longer than the peak frenzy, faster than normal
6.5%
30-year conforming mortgage rate
Stabilized in the low 6s, with dips below 6%
Town by town
Median prices where I work
Median prices vary widely across North County. These are recent reported figures, each for its own period, a snapshot not a trend line.
Town
Recent median
Reference period
Figures drawn from public market reports and compiled for reference. Real estate data moves monthly, so use these as a starting point, and ask me for current numbers for your exact neighborhood and home type.
What this means for buyers
2026 is widely described as the friendliest buyer environment since 2019. More inventory means more choices and more negotiating room, and sellers are increasingly accepting below-asking offers, rate buydowns, and other concessions. If you've been waiting on the sidelines, the combination of more supply and calmer competition is worth a serious look, especially if rates dip again.
What this means for sellers
The days of listing at a stretch price and waiting out the frenzy are over. Sellers are recalibrating: honest pricing from day one, strong presentation, and patience through a longer market time are what close deals in 2026. The good news: well-priced, well-presented homes still sell, and with supply still below pre-pandemic levels, a serious buyer pool remains. This is exactly the market where staging, pricing strategy, and negotiation skill pay for themselves.
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