More Homes. More Choices. More Opportunity: San Diego Summer Housing Update 2026
Many buyers are waiting for lower interest rates.
But some buyers are lowering their payments right now.
Summer is bringing more homes for sale, more negotiating opportunities, and more seller credits across San Diego County.
The opportunity: Instead of waiting and hoping rates drop, buyers may be able to use seller credits, closing cost help, or rate buydowns to reduce their monthly payment now.
Watch: How Buyers Are Saving on Interest Rates
Thinking About Buying or Selling?
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Start your search below, or call/text me directly at 619-846-1244 if you want help finding the best opportunities.
Summer 2026 Is Bringing More Opportunity
- More homes for sale
- More negotiating opportunities
- More seller credits
- More chances to lower your monthly payment
Mortgage rates are still one of the biggest challenges for San Diego home buyers. But waiting is not the only strategy.
In today’s market, buyers may have more room to negotiate price, closing cost credits, and seller-paid interest rate buydowns.
For Buyers: Waiting May Cost You the Better Deal
A lot of buyers are sitting on the sidelines waiting for rates to drop. That sounds safe, but there is a risk.
If rates drop, more buyers may jump back into the market at the same time. That could mean more competition, fewer deals, and less negotiating power.
Right now, some buyers may be able to negotiate:
- Seller-paid closing costs
- Interest rate buydowns
- Price reductions
- Repair credits
- Flexible closing dates
- Better terms on homes sitting longer
The right home with the right seller credit may save you more than waiting for a small rate drop.
For Sellers: Buyers Are Still Buying, But They Are Pickier
Sellers can still do very well in this market, but pricing high and hoping is not a plan.
Buyers are comparing your home to every other active listing, price reduction, remodeled home, fixer, and new listing that hits the market.
The homes getting the best results usually have:
- Strong online presentation
- Professional photos
- Clean, updated, move-in-ready appeal
- Accurate pricing
- A clear marketing plan
If your home is overpriced or stuck in the “messy middle,” buyers may skip it. That is why it is important to know what your home is really worth before you list.
Looking for an Off-Market or Unlisted Home?
Some of the best opportunities never make it to the MLS.
Tell me the neighborhood, price range, and type of home you are looking for. I can help target homeowners in that area to uncover potential sellers before their home is publicly listed.
This can be especially helpful if you are looking for:
- A specific school district
- A single-story home
- A senior community
- A condo or townhome in a certain complex
- A home in a low-inventory neighborhood
- A property that needs updating where you can create value
Have Questions About Buying or Selling?
Call or Text George Lorimer
619-846-1244
Your Home Sold Guaranteed, or I’ll Buy It!*
*Conditions apply. ProWest Properties. DRE# 01146839.