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Eva Tagore Real Estate, Sacramento, CA (2026)

10/21/2026

Are Sacramento home prices rising or falling? Depending on which headline you read this week, you’ll get two very different answers. The latest Sacramento County data explains why.

Nationally, asking prices have eased this fall. HousingWire reports the median asking price fell from $449,000 in early August to $435,000 in October, about 3%. Some of that is seasonal. Fewer buyers are out in the fall, so sellers price a bit more competitively.

But an asking price is not a sold price, and the two are telling different stories right now.

Here is what September showed in Sacramento County.

💰 $555,000 median sold price, up 2.8% from a year ago.

🏷️ $575,000 median asking price, down from $609,000 in March.

🏡 2,446 homes for sale, up 9.7% from a year ago.

⏳ 35 days on market on average, up from 32 in August.

Sellers are pricing to today’s buyer, and the homes that sell are still closing a little above where they did a year ago. That is a market finding its footing, not a market in decline.

For buyers, more inventory means more choices and more room to negotiate, especially on homes that have been sitting.

For sellers, pricing accurately from the start matters more than ever. A home priced to today’s market is the one that gets the showings.

And for the long view, FHFA tracks national prices back to 1991. A $100,000 home bought that year is worth about $436,000 today, 2008 included.

National headlines can’t tell you what your Sacramento home is worth. Local data can. Thinking about buying or selling in Sacramento, Elk Grove, Folsom, Rancho Cordova, El Dorado Hills, or nearby? Let’s look at how prices are moving in your neighborhood.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645

10/14/2026

More homes are available across Sacramento County, and it’s not only because more sellers are listing. Fewer homes are going under contract, so the ones already on the market are staying there longer and inventory is building.

With mortgage rates climbing again this fall, affordability remains a challenge for many buyers. Some are taking longer to decide, and the latest Sacramento numbers reflect that shift.

Here is what September showed.

🏡 2,446 homes for sale, up 9.7% from a year ago and the highest count in the 15 months of county data I track.

📉 914 closed sales, down 6.9% from last September, while pending sales fell 11.3%.

⏳ 35 days on market on average, up from 32 in August and still a little faster than last September.

💰 $555,000 median sold price, up 2.8% from a year ago. The average price per square foot held steady at $336.

📊 2.7 months of inventory, up from 2.3 a year ago.

What does this mean for Sacramento buyers and sellers?

For buyers, more inventory means more choices and potentially more negotiating room. Homes that have been sitting longer may offer opportunities to negotiate on price, closing costs, repairs, or a mortgage rate buydown.

For sellers, buyers are more selective and your competition is growing. Pricing accurately, preparing your home thoughtfully, and presenting it well are essential. Homes are still selling, and strategy matters more than ever.

The bottom line is that Sacramento is still well short of a buyer’s market by the usual inventory measures, and the balance is gradually shifting toward buyers. This is a market adjusting to affordability pressures and changing buyer behavior, not a market in decline.

📲 Thinking about buying or selling in Sacramento, Elk Grove, Folsom, Rancho Cordova, or nearby communities? Let’s review what’s happening in your neighborhood and build a strategy around your goals.

Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645

10/07/2026

When the Federal Reserve raises interest rates, many people assume mortgage rates automatically go up too.

But that is not quite how it works.

Myth: The Fed sets mortgage rates.

Reality: The Fed influences the broader economy, but mortgage rates are driven largely by the bond market, inflation expectations, economic conditions, and investor demand.

Here is the simplest way to think about it: the Fed's hikes are a little pain today, meant to cool inflation so rates have room to ease down the road.

The Fed raised its federal funds rate by a quarter point in September as inflation remained elevated, and mortgage rates have stayed higher than most buyers would like.

So, should Sacramento homebuyers wait for rates to fall?

Not necessarily.

The Sacramento housing market is giving buyers something they have not had as much of in recent years: more choice and more negotiating room.

In September, Sacramento County had 2,446 single-family homes for sale, nearly 10% more than a year ago. Inventory reached 2.7 months, while the median sold price held relatively steady at $555,000.

That means higher rates are creating affordability challenges, but buyers may have more leverage on price, concessions, and terms than they did in a more competitive market.

For sellers, the message is just as important. Buyers are more payment-conscious, so pricing correctly from the beginning and presenting the home well matter even more.

Mortgage rates will continue to move as inflation, the economy, and bond markets change. Trying to perfectly time them can mean waiting for a market that may never arrive.

The better question is: Does a move make sense for you at today's price, payment, and market conditions?

Thinking about buying or selling in the Sacramento area? Message me and we can look at the numbers for your specific situation.

📲 Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

10/02/2026

New listings in Sacramento County dropped almost 14% from July, and the number of homes for sale fell for the first time since December. Here's what that means if you're buying or selling this fall.

Hi, I'm Eva Tagore, Broker Associate with LPT Realty.

Let's start with prices. The median sold price in August was $549,000. That's right where it was a year ago, and up about 1.7% from July. So July's dip was one month, not a new direction.

Now the supply side, because this is where August changed. About 2,300 homes were for sale across the county, down about 2% from July and about 2% from a year ago. That's the first monthly decline since December, and it came from the seller side. New listings fell to about 1,375, the usual late summer pullback.And the homes that are moving are the ones priced to the market.

Average days on market came in at 32, a couple of days faster than last August. The median asking price settled at $575,000, the lowest in over a year. Sellers are meeting buyers where they are, and with rates moving up, buyers are being careful about what they write on.

For buyers, selection is still close to a one year high, but the widest window was July, and it's narrowing. The homes that have been sitting are where the negotiating room is, and sellers are meeting the market instead of waiting for it.

For sellers, pricing is the whole game right now. The homes closing at full asking price were priced correctly from day one. Price to the market, prepare the home well, and there are buyers ready for it, usually within about a month.

And countywide numbers are only the starting point. Your neighborhood, your price range, your property, and your timing can tell a very different story.

If you would like to know what this means for your home, your neighborhood, and your timeline, send me a message and let's connect. We'll put real numbers around your situation, and we'll work through your options together.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

09/30/2026

Housing affordability is still challenging, so it is understandable why some buyers are hoping prices will fall significantly.

But the latest expert forecasts and Sacramento housing market data are not pointing to a major price drop.

Fannie Mae's latest Home Price Expectations Survey, which gathers forecasts from more than 100 housing experts, projects national home prices will continue rising through 2030. The average forecast calls for roughly 14.7% cumulative appreciation by the end of 2030.

Even the more pessimistic forecasts still project prices higher by 2030.

But national forecasts only tell part of the story. What is happening here in Sacramento?

In August, Sacramento County's median sold price was $549,000, in line with a year ago. Price per square foot increased 1.5%, while pending sales jumped 15.2% year over year.

At the same time, buyers still had more than 2,300 homes to choose from, and homes took an average of 32 days to sell.

That is not a market racing upward, but it is not behaving like a market in freefall either.

For buyers, that means today's Sacramento real estate market may offer something more useful than waiting for a crash: selection, time to evaluate your options, and opportunities to negotiate depending on the property.

For sellers, pricing matters. The median asking price fell to $575,000 in August, suggesting sellers are adjusting to what today's buyers are willing to pay.

The bigger takeaway: Sacramento housing is moving through a period of adjustment and balance, not following the dramatic crash narrative you may see online.

Thinking about buying, selling, or investing in the Sacramento area? Let's look at the numbers for your specific neighborhood and price range before you make your next move.

📲 Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645

09/23/2026

Sacramento's housing market is really 4 markets. Which one are you in?

How you are paying, how much equity you have, and whether new construction is your competition all change what a smart move looks like.

CASH BUYERS. About 1 in 4 homes nationally sold for cash this summer, many of them bought with equity from a current home. No loan means less risk for the seller and a faster close. Selling? A cash offer is not automatically the best one. Price, terms, and certainty all count.

FINANCED BUYERS. The hope that rates drop soon has faded. Nearly half the experts on Fannie Mae's panel raised their long-run rate outlook this year (chart). What has changed is on the seller side: credits, buydowns, and closing-cost help are on the table far more often. If the payment works with a concession, that is your signal.

RATE-LOCKED OWNERS. About 2 in 3 homeowners with a mortgage hold a rate under 5%, and experts expect that lock-in to last several more years. Trading it is a real cost. Equity is the other side of the ledger, and it often changes the math. FHA or VA loan? Ask about assumability.

NEW CONSTRUCTION. Builders are sitting on more unsold homes than usual and answering with price cuts and incentives. Shopping new? Bring your own agent and compare the full package. Selling resale? Lead with what a builder cannot offer: an established neighborhood, mature landscaping, and keys today.

Sacramento County in August held steady across all four. The median sold price stayed at $549,000, in line with last year, buyers kept writing offers, and homes moved in about a month.

The right move in one market is the wrong move in another. Let's figure out which one you are in.

📲 Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

09/16/2026

If you've been thinking about buying a home in Sacramento, fall has historically been one of the more buyer-friendly stretches of the year.

Realtor.com identifies September 13 through 19 as the best week to buy in the Sacramento-Roseville-Folsom metro, based on seasonal trends in inventory, competition, pricing, time on market, and price reductions. Nationally the best week lands September 27 through October 3. Sacramento's tends to come a little earlier.

Historically, this week brings about 24% more active listings than a typical week, 43% less buyer competition than the seasonal peak, and homes spending about 15 more days on the market. Median listing prices have averaged about 5% below their seasonal peak.

Local August data supports the broader story. Sacramento County had 2,306 homes for sale, giving buyers solid selection, while the median asking price fell to $575,000, the lowest level in more than a year. Homes averaged 32 days on market.

There is an important shift happening, though. New listings dropped nearly 14% from July, while pending sales rose 15% from last August. Buyers still have choices, and inventory has started to tighten as demand firms.

The Fed raised its benchmark rate today, the first increase since 2023. Mortgage rates move on their own timing, and the seasonal pattern above is about listings and competition, not rates. If the payment is the question, that's a conversation worth having with real numbers.

What does that mean if you're buying?

Fall gives you more time to compare homes, evaluate pricing, and negotiate thoughtfully. Well-priced, well-prepared homes still draw strong interest, so the advantage is in selection and time rather than automatic discounts.

The right time to buy is when the home, the payment, and the terms make sense for you.

Want to understand what today's Sacramento market looks like in your price range or neighborhood?

📲 Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

09/09/2026

The market is not moving the same way for every homeowner right now.

Nationally, buyer activity is dividing by price point. Affordability weighs hardest on lower-priced homes, where higher rates have thinned the pool of first-time buyers. Higher-end buyers are less sensitive to rates and often bring equity from the home they already own. One result: luxury homes, which for years took far longer to sell than starter homes, are now selling just as fast. Redfin's data shows the median luxury home sold in 43 days this May and the median starter home in 42.

Here in Sacramento County, August numbers show a market that is steady, but selective.

The median sold price was $549,000, flat from a year ago. Homes took an average of 32 days to sell, two days faster than last August. Pending sales rose 15% year over year, so buyers are active.

Sellers are adjusting, too. The median asking price fell to $575,000, its lowest level in over a year. Homes sold for 100% of their final list price, but 98% of their original list price.

That gap is the story. Buyers respond when a home is priced for today's market. Homes that start too high tend to need more time, or a price adjustment, before they find their buyer.

So the question is not simply, "How is the Sacramento housing market?" It is, "How is the market performing for a home like mine?" Price range, competition, condition, and positioning decide that, and the answer can differ from one street to the next.

If you are considering selling in Sacramento, Elk Grove, Rancho Cordova, Folsom, or the surrounding area, let's look at your neighborhood, your price range, the homes you would be competing with, and the buyers most likely to want yours before we decide on a pricing strategy.

📲 Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which options work best for you.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

09/04/2026

Sacramento home prices dropped $35,000 in one month. Here's what that means if you're thinking about buying or selling this year.

The median sold price in Sacramento County came in at $540,000 in July. That's down just over 6% from June, and about 3.6% lower than a year ago.

So yes, prices have come down. Not a crash, but a meaningful shift, and it comes with the kind of market change you can put to work.
Here's what else July told us.

Buyers have more choices than they've had in a year. About 2,350 homes were for sale in July, and new listings were up more than 6% from last July.

Homes are taking a little longer to sell. 33 days on average, up from 28 in June. Buyers are comparing before they commit.
And buyers are still buying. Pending sales came in about 7% higher than last year.

For buyers, that adds up to opportunity: the most selection in a year, softer prices, and room to negotiate, with the median asking price now around $588,000.

For sellers, it means pricing is the whole conversation. Buyers have enough choices to pass over homes that don't compare well on price, condition, or presentation. Priced right, homes are still selling in about a month.

And countywide numbers are only the starting point. Your neighborhood, price range, property, and timing can tell a very different story.

If you would like to know what this means for your home, your neighborhood, and your timeline, send me a message and let's connect.

We'll put real numbers around your situation, and we'll work through your options together.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

09/02/2026

When the down payment feels like the one thing standing between you and a home, the balance in your 401(k) starts to look like the answer.

It can be. But it is the most expensive money you own, and most Sacramento buyers have better places to look first.

An early 401(k) withdrawal typically comes with a 10% penalty plus income tax on what you take out. Then there is the growth you give up: pull $10,000 today and, at a 7% annual return, that is roughly $54,000 less in the account 25 years from now.

Before you touch it, here is what is on the table:

Low-down-payment loans. FHA allows qualified buyers to put down as little as 3.5%. Conventional first-time buyer programs start at 3%.

California down payment help. CalHFA's MyHome program is a deferred-payment junior loan for first-time buyers, up to 3.5% of the purchase price on an FHA loan or 3% on conventional. No monthly payment; it is repaid when you sell, refinance, or pay off the first mortgage. Income limits apply.

Seller credits. Sacramento homes are taking about a month to sell and buyers have room to negotiate. A credit toward closing costs or a temporary rate buydown is a normal ask, and it does not come out of your savings.

A smaller down payment on purpose. 20% down is not a requirement. If the difference between 10% and 20% is your retirement account, keeping that money invested usually wins.

The 401(k) is not off limits. The order matters. Look at the loan programs, the assistance, and the negotiating room first, talk with a financial or tax professional about your retirement account, then decide.

📲 Thinking about buying or selling in Sacramento, Elk Grove, Folsom, Rancho Cordova, or the surrounding area? Reach out anytime to schedule a consultation. Call or text at 916-619-2645 when you’re ready and we will map out which of these options fit your numbers.

Eva Tagore
Broker Associate, Realtor® DRE-01479998 | RS-81432
Brokered by LPT Realty
📲 (916) 619-2645
🌐 www.evatagorerealestate.com

Eva Tagore Real Estate

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