San Diego Fall 2025: A Window for Smart Moves
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Mortgage rates have eased into the mid-6s, the lowest of the year. That’s bringing buyers back — mortgage applications jumped nearly 30% in a week, with refis spiking almost 60%. At the same time, San Diego inventory remains elevated compared to the last two years, giving buyers more choice.
Buyers: More homes, better rates, and still room to negotiate. Move now before lower rates pull in more competition.
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Sellers: Prices are holding near all-time highs, and activity is rising as buyers return. Listing now positions you to sell ahead of the holiday slowdown.
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Expect shorter market times and stronger demand if rates hold. The next 60–90 days could be the sweet spot for both sides.
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Good news for both buyers and sellers this fall:
- Rates are the lowest of the year (low-6s on 30-yr fixed)? Is affordability back? (better than it was).
- Mortgage applications just surged — buyers are returning.
- Having more homes to choose from than in the past 2 years gives buyers negotiating power.
- Sellers: Prices remain near record highs, and buyers are out looking. But you have to be on the market to benefit.?
- Buyers: See how I can get you the right home at the right payment. If you wait, competition only gets tougher.
- Sellers: Get a real home value (not a Zillow/Redfin guess). My review factors in competing homes, comps, and online models — free, no obligation.
San Diego County Housing Summary
- INVENTORY: The active listing inventory over the past couple of weeks decreased by 124 homes, down 2%, and now stands at 6,010, its lowest level since May. Last year, there were 4,752 homes on the market, 1,258 fewer homes, or 21% less. The 3-year average before COVID (2017-2019) was 7,074, which is 18% higher. From January through August, 26% fewer homes came on the market compared to the 3-year average before COVID (2017-2019), 9,992 fewer. Yet, 3,610 more sellers came on the market this year than last, and 8,361 more compared to 2023.
- DEMAND: Buyer demand, the number of pending sales over the prior month, dropped from 1,865 to 1,857, down eight pending sales, nearly unchanged. Last year, there were 1,691 pending sales, which is 9% less than the previous year. The 3-year average before COVID (2017-2019) was 3,031, which is 63% higher.
- MARKET TIME: With supply falling faster than demand, the Expected Market Time, the number of days to sell all San Diego County listings at the current buying pace, decreased from 99 to 97 days in the past couple of weeks, its fastest reading since May. Last year, it took 84 days, which is faster than today. The 3-year average before COVID (2017-2019) was 71 days, which is also significantly faster than today.
- LUXURY: In the past two weeks, the Expected Market Time for homes priced between $2 million and $4 million decreased from 136 to 125 days. For homes priced between $4 million and $6 million, the Expected Market Time decreased from 229 to 212 days. For homes priced above $6 million, the Expected Market Time decreased from 694 to 668 days.
- DISTRESSED HOMES: Short sales and foreclosures combined, comprised only 0.7% of all listings and 0.9% of demand. Only 11 foreclosures and 30 short sales are available today in San Diego County, with a total of 41 distressed homes on the active market, down five from two weeks ago. Last year, 18 distressed homes were on the market, fewer than today.
- CLOSED SALES: There were 2,086 closed residential resales in August, down 4% compared to August 2024’s 2,167, but up 1% from July 2025. The sales-to-list price ratio was 97.9% for San Diego County. Foreclosures and short sales accounted for 0.1% of all closed sales each. That means that sellers made 99.8% of all sales with equity.
Copyright 2025—Steven Thomas, Reports On Housing—All Rights Reserved. This report may not be reproduced in whole or in part without express written permission from the author.
Call/text George at 619-846-1244.
Your Home Sold Guaranteed or I'll Buy It!*
ProWest Properties, DRE# 01146839, *Conditions apply