Winter in San Diego doesn’t slow down the real estate market — especially in high-demand communities like La Jolla, Rancho Santa Fe, and North County. As we head into early 2026, both buyers and sellers are facing a shifting—but still strong—market shaped by inventory changes and improving mortgage rates.
📌 Inventory Is Finally Moving
Across the county, inventory continues to rise slowly, giving buyers more choice than we’ve seen in the past two years. North County and Inland North County are showing the biggest increases, especially in the $1M–$2M range.
Luxury inventory in La Jolla and Rancho Santa Fe remains limited, but serious sellers are pricing more realistically — creating strong opportunities for well-qualified buyers.
📌 Prices Are Holding Steady
Even with more homes coming to market, San Diego remains one of the most competitive coastal markets in the country.
- Detached homes: holding steady
- Condos/townhomes: slight increase
- Luxury homes: strong demand continues
📌 Rates Are Improving
With interest rates trending down from their 2023–2024 highs, many buyers who were waiting on the sidelines are re-entering the market. Even a small rate drop can improve affordability significantly.
📌 What Sellers Should Do Now
- Price at or just below the last comparable sale
- Improve curb appeal
- Prepare for more competition than last year
- Consider pre-inspection for smoother escrow
📌 What Buyers Should Do Now
- Get fully underwritten approval
- Watch neighborhoods with rising inventory
- Be patient but decisive
- Utilize lender rate-buydown options
Thinking about buying or selling this winter?
I’m here to guide you with local expertise across La Jolla,
Rancho Santa Fe, and all of North County.
iHome San Diego Real Estate 
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