Connor Hoffman - Realtor

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Connor Hoffman - Realtor Whether you're looking to develop, invest, or find your dream luxury home, we've got you covered.

DRE #02080506
Roc&Sol Realty - eXp Realty
Team PDF - eXp Commercial

Thinking about selling this fall? Here's what the latest numbers say about Sacramento County. 🍂📊 Median single-family pr...
10/21/2026

Thinking about selling this fall? Here's what the latest numbers say about Sacramento County. 🍂

📊 Median single-family price: $549,000 in August — essentially flat vs. last year (-0.2%)
📊 Median time to sell: 25 days, down from 28 a year ago
📊 Unsold inventory: 3.2 months of supply — the same as a year ago

The other side of the story: C.A.R. says pending sales softened statewide and buyers are becoming more sensitive to borrowing costs, and that prices typically ease through fall and winter. That makes pricing and presentation matter more than ever.

If you're weighing whether to list now or wait until spring, I'm happy to walk through the numbers for your home — no pressure. DM me "VALUE."

Source: California Association of REALTORS® August 2026 Home Sales & Price Report (Sept 16, 2026), existing single-family detached homes.

Medians reflect the mix of homes sold and are not a measure of any individual home's value or sale price. Market data is approximate and subject to change; it is not a prediction or guarantee of future results.

Connor Hoffman · DRE #02080506 · eXp Realty of California, Inc. · Equal Housing Opportunity

Shopping for a home at 7%+ rates? Three mortgage terms worth understanding before you talk to a lender. 👇🔒 Rate lock: Yo...
10/19/2026

Shopping for a home at 7%+ rates? Three mortgage terms worth understanding before you talk to a lender. 👇

🔒 Rate lock: Your rate won't change between your loan offer and closing, as long as you close within the lock period and your application doesn't change. The catch: you may miss out if rates fall after you lock — and lock policies vary by lender.

➗ Discount points: Fees you pay at closing to get a lower interest rate. One point equals 1% of the loan amount, and what a point buys you varies — so ask each lender exactly how much a point lowers your rate, and compare lenders using the same number of points.

⏬ Temporary buydown: Lowers your rate — and payment — for the first one to three years, funded up front (sometimes by a seller or builder). In a 2-1 buydown, the rate is 2 points lower in year one and 1 point lower in year two, then returns to the full rate. Compare the total cost with and without it.

Your Loan Estimate shows points and lender credits and states whether your rate is locked, so you can compare lenders side by side. Questions about any of these? DM me "DECODE."

Sources: Consumer Financial Protection Bureau (consumerfinance.gov); FHFA Office of Inspector General, temporary buydown dashboard.

Terms and availability vary by lender and loan program. General education — not a loan offer, commitment to lend, or financial advice. Talk with a licensed lender about your situation.

Connor Hoffman · DRE #02080506 · eXp Realty of California, Inc. · Equal Housing Opportunity

Mortgage rates hit their highest weekly reading since November 2023, and moments like this can raise a lot of questions....
10/16/2026

Mortgage rates hit their highest weekly reading since November 2023, and moments like this can raise a lot of questions. 👇

Drop your #1 question about buying, selling, or the Sacramento market in the comments — or DM me "ASK." I'll answer the most common ones in a follow-up post next week.

No question is too small, and there's no pressure. Sometimes just knowing where you stand is the first step.

— Connor

Source: Freddie Mac Primary Mortgage Market Survey — 7.40% on Oct 8, 2026; the last higher weekly reading was 7.44% on Nov 16, 2023.

Mortgage rates vary by borrower and change daily; Freddie Mac's survey reflects borrowers with 20% down and excellent credit. Answers I share are general information — not legal, tax, or financial advice, and not a loan offer.

Connor Hoffman · DRE #02080506 · eXp Realty of California, Inc. · Equal Housing Opportunity

Nearly half of Elk Grove home sales closed over list price in July, according to Zillow. 🏡How July sales broke down:🟣 46...
10/13/2026

Nearly half of Elk Grove home sales closed over list price in July, according to Zillow. 🏡

How July sales broke down:

🟣 46.2% sold over list price
⚫ 39.6% sold under list price
▫️ about 14% sold right at list

The rest of the snapshot:
📍 Median sale price (July): about $613,000
📍 Typical home value (Sept 30): about $625,000, down 1.6% from a year ago
📍 Median time to pending: about 16 days

What it means: Elk Grove is still moving quickly, but "over asking" isn't automatic — roughly 4 in 10
homes sold under list. Neighborhood, price point, and condition can look very different from the
citywide numbers.

Curious how your street compares? DM me "ELK GROVE."

Source: Zillow, Elk Grove housing market data — July 2026 sales metrics; typical home value and
days to pending as of Sept 30, 2026. The "at list" share is the remainder after over- and under-list
sales.

Zillow's typical home value is a model-based estimate, not an appraisal. Market data is
approximate and subject to change; it is not a prediction or guarantee of future results.
Connor Hoffman · DRE #02080506 · eXp Realty of California, Inc. · Equal Housing Opportunity

Rancho Murieta by the numbers, using the last three months of sales (through June):• Median sale price: about $620K, dow...
10/08/2026

Rancho Murieta by the numbers, using the last three months of sales (through June):

• Median sale price: about $620K, down 17.4% from last year
• But price per square foot: $341, up 10% from last year
• Days to sell: 48 (33 a year ago)
• Sale-to-list price: 98.1%
• Homes sold above list: 24.1%, up 9.2 points

When the median price drops while price per square foot rises, it often means a different mix of homes sold, not that every home lost value.

One more thing: this is a small market. Only 26 homes sold in June, so single-month numbers swing a lot. Look at the trend.

What do you love most about Rancho Murieta: the golf, the lake, or the open space? Tell us below.

Source: Redfin, Rancho Murieta, all home types, 3 months ending June 2026. Not financial advice.

Sacramento County in August: homes sold in a median of 27 days, down from 35 a year ago.The rest of the snapshot:• Media...
10/05/2026

Sacramento County in August: homes sold in a median of 27 days, down from 35 a year ago.

The rest of the snapshot:
• Median sale price: about $533K (up 0.6% from last year)
• Sale-to-list price: 99.5%
• Homes sold: 1,159 (vs 1,155 last August)

Well-priced homes are still moving at a steady clip. That matters for buyers deciding how much room to expect in negotiations, and for sellers deciding how to price.

Are you seeing homes go faster or slower in your neighborhood? Tell us below.

Source: Redfin, Sacramento County, all home types, Aug 2026. Figures change as data is updated.

7.48%. That is the average 30-year fixed rate in California today, up about 0.9 points in the last 90 days. Here is what...
10/03/2026

7.48%. That is the average 30-year fixed rate in California today, up about 0.9 points in the last 90 days.

Here is what it means in real dollars for a Sacramento County home.

On the county's median sale price (about $533K), a 6.58% rate 90 days ago meant roughly $2,719 a month in principal and interest. At today's 7.48%, it is roughly $2,977. That is about $258 more every month, or more than $3,000 a year, for the exact same house.

For reference, Freddie Mac's national weekly average hit 7.28% on Oct 1, the highest since November 2023.
Swipe for the math, what moved rates, and three things buyers can still control.

Save this so you can run your own numbers, and send it to someone house hunting. What monthly payment feels comfortable to you? Tell us below.

Disclaimer: Illustrative principal and interest only, 30-year fixed, 20% down, calculated with the California average APR as an approximation of the note rate; excludes taxes, insurance and HOA. California average 30-year fixed APR: Mortgage Research Center via Forbes Advisor, Oct 2, 2026 (7.483%, up 0.321 points in a week, 0.667 in 30 days and 0.906 in 90 days; the 90-day-ago figure of about 6.58% is derived from that reported change). National benchmark: Freddie Mac, Oct 1, 2026 (7.28%). Median price: Redfin, Sacramento County, Aug 2026. Rates vary by lender and borrower. Not financial advice; talk with a licensed lender about your own numbers.

Every buyer I work with asks the same first question before we ever look at a house:"How much do I need to make to actua...
09/30/2026

Every buyer I work with asks the same first question before we ever look at a house:

"How much do I need to make to actually afford this?"

Fair question. Here's the real Sacramento number:

For a median-priced home around $549,950, you're typically looking at a household income of $135,000 to $155,000 to qualify comfortably at today's mortgage rates with 10% down.

That's higher than most people expect. And it's roughly double the Sacramento median household income of ~$72,000 — which is exactly why so many buyers are getting creative:

✔ Dual-income households pooling to hit the number
✔ CalHFA Dream For All covering up to 20% of the down payment
✔ Buying in Galt or Lodi where the same-style home needs $25K-$40K less income

I just dropped a full 2026 breakdown on the blog — every price point from $400K to $850K, the 28/43 lending rule explained, down payment options, and how much house you can afford at different income levels.

Read the full guide 👉 thegaltguy.com/post/how-much-do-you-need-to-make-to-buy-a-house-in-sacramento

Not sure where YOU stand? DM me the word QUALIFY and I'll connect you with a trusted local lender for a real pre-approval — no pressure, no pitch. Just numbers.

Connor Hoffman | The Galt Guy
Roc & Sol Realty • Brokered by eXp Realty
📞 (916) 619-9386
CA DRE #02080506

Field Notes: What September Taught Us About Sacramento Commercial Real Estate 📋A few takeaways from a month of tracking ...
09/30/2026

Field Notes: What September Taught Us About Sacramento Commercial Real Estate 📋

A few takeaways from a month of tracking the data:

📍 Industrial vacancy is holding roughly steady in the mid-6% range — this market is stabilizing, not overheating, even as new supply keeps coming online
📍 Office had its first genuinely positive quarter in years — a sign the worst of the correction may be behind it, especially downtown
📍 Submarket selection matters more than ever: North Natomas is emerging as a logistics play, while older South Sacramento industrial stock is seeing tenants trade up and leave vacancy behind

None of this is a guess — it's pulled straight from Kidder Mathews and Cushman & Wakefield's Q2 2026 reports, the same data shared here all month.

If you're weighing a commercial move heading into Q4, the data says: know your submarket before you sign anything. Questions? Let's talk — (916) 619-9386.

Sources: Kidder Mathews Sacramento Industrial Market Report, Q2 2026; Cushman & Wakefield Sacramento MarketBeat, Q2 2026.

It's World Tourism Day 🌍 — but today we're talking about people who visit the Sacramento region and never leave.Between ...
09/27/2026

It's World Tourism Day 🌍 — but today we're talking about people who visit the Sacramento region and never leave.

Between the Bay Area exodus, remote work flexibility, and a cost of living that still beats the coast, the Sacramento region keeps landing on 'best places to relocate' lists. Recent data shows a meaningful share of home searches from San Francisco and the broader Bay Area are aimed squarely at Sacramento.

Whether you're relocating from out of state, coming from the coast, or just rediscovering how much this region has to offer, we love helping people put down roots here — from Sacramento's core neighborhoods to Elk Grove's family-friendly subdivisions, Lodi's small-town charm, and Rancho Murieta's quieter, golf-course lifestyle.

Thinking about a move to the region? Let's talk about what fits your life best.

Address

9381 East Stockton Boulevard
Elk Grove, CA
95624

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