In a plot twist,, the San Diego housing market is finally giving buyers a break. Mortgage rates just slipped below 6.5%, inventory is up, and sellers are more flexible than they’ve been in years. It’s like walking into Costco on a Saturday before the sample carts roll out and the aisles turn into bumper-car chaos. For a short, glorious window… everything is calm, stocked, and negotiable. That’s today’s San Diego real estate market.
✅ Why the current San Diego market is buyer-friendly
For the first time in over a year:
✅ Mortgage rates are down
✅ Monthly payments are lower
✅ Buyers can afford more house
✅ Inventory has actually increased
✅ Sellers are open to negotiation
✅A small rate drop makes a big difference: At 7%, a buyer could afford a ~$940,000 home. At 6.25%, that same payment now buys $1,015,000 💥 $75,000 more house without spending more. And on a $1M purchase, payments are roughly $400/month lower than they were when rates were higher.
That’s real savings — not the “just skip your lattes” kind.
✅ More San Diego homes for sale = more power for buyers
Inventory is up 16% compared to last fall, giving buyers choices we haven’t seen since before 2019.And the longer homes sit, the more flexible sellers get:
✅ Price adjustments
✅ Closing cost credits
✅ Seller-paid rate buydowns
No, you can’t offer $200K under and ask for the seller’s Peloton…but you can negotiate meaningful wins.
✅ The market pace is calm (for the moment)
Homes in San Diego County are averaging about 95 days on market, a relaxed pace compared to the frenzy of the last few years.
Every year, here’s what happens:
👉 Buyers go quiet for the holidays
👉 January hits
👉 Everyone wakes up at the same time
👉 Spring competition returns
So right now = shop smart, negotiate big, avoid the rush.
✅ Bottom line
If you’ve been waiting for the right moment to buy a home in San Diego, this is it.
Right now buyers get:
✅ Lower interest rates
✅ Lower monthly payments
✅ More house for the money
✅ More listings to choose from
✅ More negotiating leverage
If you wait until spring, expect:
❌ More competition
❌Less negotiation power
❌Faster price growth
So yes, your Costco-before-the-chaos moment has arrived. If you’re ready to take advantage of it, Team Kolker Wendlandt has your back. We’ll set up showings, run payment scenarios, negotiate the wins, and yes, we always know where the snacks are. Let’s make a smart move before the aisles get crowded
