Kayla-Rae Campbell

05/26/2026

It feels like almost everyone in California housing conversations is talking about insurance right now 🏡

And honestly, for a lot of homeowners, this is a very real affordability concern.

The California FAIR Plan, which serves as the state’s insurer of last resort for homeowners unable to obtain traditional coverage, is set to increase rates by an average of about 29% beginning October 15, 2026.

The increase comes as more homeowners across California have been pushed onto the FAIR Plan after private insurers limited coverage or stopped writing policies in some higher wildfire-risk areas. FAIR Plan enrollment has grown significantly in recent years as the broader insurance market has become more unstable.

And while nobody can predict exactly what happens long term, many experts do expect insurance costs across California to continue facing upward pressure because of:
• wildfire risk
• rebuilding costs
• climate-related losses
• and ongoing insurance market instability

This is part of why housing conversations have become so much more layered lately.

Real estate is no longer just about purchase price or interest rates. Insurance availability and long-term ownership costs are increasingly becoming major parts of the affordability conversation too.

Two homes with similar prices can end up having dramatically different monthly ownership costs once insurance enters the equation.

Definitely curious if other people have noticed insurance becoming a much bigger conversation lately 👀

05/23/2026

10 Days Until The California Primary Election 🗳️

A lot of the things people talk about every single day are directly connected to local elections, whether they realize it or not.

𝐇𝐨𝐮𝐬𝐢𝐧𝐠. 𝐓𝐫𝐚𝐟𝐟𝐢𝐜. 𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭. 𝐈𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞. 𝐂𝐨𝐬𝐭 𝐨𝐟 𝐋𝐢𝐯𝐢𝐧𝐠. 𝐆𝐫𝐨𝐰𝐭𝐡. 𝐏𝐫𝐞𝐬𝐞𝐫𝐯𝐚𝐭𝐢𝐨𝐧.

The direction our cities are heading in over the next 5, 10, or 20 years is shaped by planning decisions, local policies, investment, and the people elected to make those decisions.

Most places people love did not happen accidentally.

And local elections usually have far lower voter turnout than major national elections, which means individual votes often carry even more weight.

I know elections can feel overwhelming, especially when there is a lot to research and no one knows every single detail going in.

But please do not let that intimidate you from participating.

There is still time to read voter guides, research candidates, watch interviews, ask questions, and make sure your voice is heard.

There is no perfect way to get involved. You do not need to be an expert to care about where you live.

The wrong way is staying disconnected from decisions that directly affect our communities and everyday lives.

If you care about the future of your city, your neighborhood, housing, or the way communities evolve over time, this election matters.

𝐂𝐚𝐥𝐢𝐟𝐨𝐫𝐧𝐢𝐚 𝐏𝐫𝐢𝐦𝐚𝐫𝐲 𝐄𝐥𝐞𝐜𝐭𝐢𝐨𝐧: 𝐉𝐮𝐧𝐞 𝟐, 𝟐𝟎𝟐𝟔

More Voter Information:
https://www.sos.ca.gov/elections

Kayla-Rae Campbell
[email protected]
REALTOR® | #02120178
ABR® | NAR GREEN®

The below links include information about voter registration eligibility, how to register to vote, and how to check your voter registration status, and more. 

05/15/2026

Building equity and creating stability looks different for everyone ✨🏡

For some people, it’s buying their first home. For others, it’s downsizing, upgrading, finding a fixer, moving into something turnkey, purchasing a manufactured home, investing, or finally transitioning from renting into ownership.

For some, the goal is more space. For others, it’s less maintenance, lower bills, a shorter commute, or simply a fresh start. Every move has a different story behind it, which is why there’s never a one size fits all approach to real estate.

Whether you’re looking to buy, sell, invest, relocate, or just start putting a plan together for the future, I’m here to help guide you through the process in a way that feels informed, strategic, and realistic for your goals 🤍

Ready when you are ✨


(626) 888-9004
REALTOR® | #02120178
ABR® | NAR GREEN
Luxury Collective

Serving Los Angeles, San Bernardino & Riverside Counties

05/14/2026

San Bernardino County’s market is not moving the same everywhere right now 🏡

𝐂𝐢𝐭𝐢𝐞𝐬 𝐭𝐨 𝐖𝐚𝐭𝐜𝐡
• Rancho Cucamonga inventory increased 50% 📈
• Ontario inventory increased 24.4%
• Chino Hills reached a median list price of $1.29M 💰
• Rialto inventory dropped 32.8% 📉
• Yucca Valley inventory dropped 43%

A major increase or decrease in inventory is a big deal because it can completely shift buyer competition, negotiating power, and pricing pressure depending on the area.

Over the last few years, many Inland Empire cities have continued catching up in pricing as more buyers moved east looking for affordability, space, and newer housing opportunities.

Right now, some markets are finally giving buyers more options and a little more breathing room, but inventory is still very uneven depending on the city and price point.

More inventory can create stronger negotiating opportunities and more choices for buyers.

Less inventory can keep competition stronger and homes moving faster, especially in desirable submarkets.

If you’re thinking about buying, selling, or making a move in the next few years, understanding these shifts early matters. Markets usually take time to stabilize, and real estate trends often get more complex before they get better.

The Inland Empire is becoming increasingly hyper-local ✨

𝐊𝐚𝐲𝐥𝐚-𝐑𝐚𝐞 𝐂𝐚𝐦𝐩𝐛𝐞𝐥𝐥
(𝟔𝟐𝟔) 𝟖𝟖𝟖-𝟗𝟎𝟎𝟒
𝐑𝐄𝐀𝐋𝐓𝐎𝐑® | 𝐀𝐁𝐑® | 𝐍𝐀𝐑 𝐆𝐑𝐄𝐄𝐍
𝐒𝐞𝐫𝐯𝐢𝐧𝐠 𝐋𝐨𝐬 𝐀𝐧𝐠𝐞𝐥𝐞𝐬, 𝐒𝐚𝐧 𝐁𝐞𝐫𝐧𝐚𝐫𝐝𝐢𝐧𝐨 & 𝐑𝐢𝐯𝐞𝐫𝐬𝐢𝐝𝐞 𝐂𝐨𝐮𝐧𝐭𝐢𝐞𝐬

Source: California Association of REALTORS® Inventory Report, March 2026

05/13/2026

I just shared a new article about California Proposition 19 and how it’s changing the conversation around downsizing, aging in place, and long-term housing strategy for homeowners 55+.

A lot of longtime California homeowners are sitting on significant equity, but many still feel financially “stuck” because of property taxes and affordability concerns tied to moving. Proposition 19 has created flexibility that many people still do not fully understand.

I wanted to break down not just what Proposition 19 is, but why it matters for inventory, multigenerational planning, retirement decisions, and the future of housing in California overall.

Would love to hear your thoughts on how you’re seeing this impact homeowners and the market.

California Proposition 19 allows eligible homeowners 55+ to transfer their property tax base when moving. Learn how it impacts downsizing, aging in place, and long-term housing strategy in California.

05/09/2026

What different budgets buy across Southwest Riverside County 🏡

A lot of buyers searching in Southern California are comparing areas like Temecula, Murrieta, Riverside, Menifee, and Lake Elsinore trying to figure out where they realistically fit in today’s market.

And the truth is… pricing can shift pretty quickly from city to city depending on location, commute, home size, newer construction, taxes, HOAs, schools, and overall lifestyle 📝

A big reason for that is the amount of newer construction throughout parts of Southwest Riverside County. Areas like Menifee, Murrieta, Lake Elsinore, and parts of Temecula have continued expanding over the years, giving buyers different price points to enter the market with newer homes, larger floorplans, and communities that often offer more space overall.

Meanwhile, some more established communities with less available land and less new construction can sometimes carry higher price points because inventory is more limited and demand stays strong for those locations.

Sometimes moving 20–30 minutes farther east or southeast can completely change what’s available within the same budget. For many buyers and families in Southern California, that tradeoff can mean gaining more space, a newer home, or a larger lot. But for others, being closer to a specific community, commute, schools, restaurants, or lifestyle is worth sacrificing some space for a smaller home in the area they really want to be in.

There’s rarely a perfect answer. It usually comes down to priorities, long-term goals, and how someone wants their day-to-day life to feel.

If you’ve been thinking about buying but aren’t sure which areas make the most sense for your goals, feel free to DM me “HOME” and I’m happy to help you break it down 🏡

Kayla-Rae Campbell
REALTOR® | DRE #02120178
ABR® | NAR GREEN
Luxury Collective

Serving Los Angeles, San Bernardino & Riverside Counties

05/07/2026

A home becomes different when it truly feels like yours 🏡

Not because it’s perfect.
Not because it’s expensive.
But because you’re able to shape it around your life, your personality, your routines, your memories, and the things that make you feel comfortable there.

Color, texture, art, furniture, lighting… these things may seem small, but they completely change how a space feels emotionally.

And honestly, I think that’s part of why homeownership means so much to people.

A lot of renters still create beautiful spaces and make a place feel like home. But there can also be a quiet hesitation sometimes… wondering how much to invest emotionally, financially, or creatively into a space that may not fully be theirs long-term.

When you own a home, there’s a different sense of permanence.
A different sense of security.
A different kind of peace in knowing you can settle in, make changes, plant roots, and build a life around the space you come home to every day.

Yes, homeownership comes with responsibility.
So do most meaningful things in life.

But for many people, that responsibility is worth the stability, freedom, and sense of belonging that comes with having a place that is truly theirs.

Because beyond the financial investment, equity, and long-term wealth… there’s also something deeply personal about being able to walk into a space and say:

“This feels like me.” 💛

Kayla-Rae Campbell
REALTOR® | DRE #02120178
ABR® | NAR GREEN
Luxury Collective

Serving Los Angeles, San Bernardino & Riverside Counties

05/06/2026

A lot of California homeowners 55+ are not staying in their homes because they want to forever. Many are staying because financially, moving and downsizing have not always made sense because of California property taxes.

Proposition 19 quietly changed that conversation in a big way.

I wrote about how Proposition 19 impacts downsizing, aging in place, long-term planning, and why many homeowners may have more options than they realize when it comes to their property taxes and equity.

If you or your family have been thinking about what the next 10–20 years could look like, this is an important conversation. 🏡

Kayla-Rae Campbell
REALTOR® | DRE #02120178
ABR® | NAR GREEN
Luxury Collective

Serving Los Angeles, San Bernardino & Riverside Counties

https://www.linkedin.com/pulse/why-proposition-19-matters-california-homeowners-kayla-rae-campbell-7ldkc

05/06/2026

Looking Beyond Real Estate 📈🏙️

Grateful to have attended the 2026 San Gabriel Valley Economic Forecast alongside so many professionals, business leaders, and people invested in the future of our communities.

A lot of the conversations centered around housing, economic growth, infrastructure, trade, and how connected all of these things really are. It’s a reminder that real estate is never just about homes. The way cities grow, businesses evolve, jobs move, and communities develop all shape how people experience where they live.

For me, education has always been a huge part of how I approach real estate and community involvement. The more you understand what’s happening around you, the better equipped you are to adapt, stay competitive, and make informed decisions in a changing market.

Very thankful for opportunities like this and for the chance to continue learning from people who care deeply about the future of our region. Thank you to Citrus Valley Association of REALTORS® and the amazing staff at SGVEP for putting together such a great event.🙏🏼