10/12/2026
THE MARKET DIDN’T CRASH. THE MATH CHANGED.
Across Carroll, Haralson, Douglas, Paulding and Polk counties, available inventory is only about 1% lower than it was in mid-September—but the number of homes under contract has fallen approximately 13%.
At the same time, the national average 30-year fixed mortgage rate reached 7.40% on October 8.
What does that mean?
Buyers aren’t necessarily saying no to the house. In many cases, they’re saying no to a monthly payment that no longer fits comfortably.
🏡 BUYERS: You may have more homes to choose from and additional negotiating room—but comparing lenders, loan options and the complete monthly payment matters more than ever.
🔑 SELLERS: Another price reduction isn’t always the only strategy. Depending on the buyer’s loan, seller-paid closing costs or an allowable interest-rate buydown may make your home more financially attractive.
The right answer depends on the property, the offer and the buyer’s financing. That’s why we look at the complete picture instead of throwing a price reduction at the wall and hoping it sticks.
Thinking about buying or selling in West Georgia? Let’s talk about a strategy that fits today’s market.
Michelle Calcagno Properties
Heritage Oaks Realty Westside
📞 866-255-0857
404-431-1400
Market data: Georgia MLS, accessed October 12, 2026. Mortgage-rate data: Freddie Mac PMMS, October 8, 2026. Rates and loan options vary by borrower, lender and loan program.
