10/27/2026
DIFFERENT HOUSING MARKETS ARE HAPPENING AT ONCE.
If you’re thinking about moving, it can be hard to know where to start because there isn’t one housing market that tells the whole story.
Right now, there are several different groups shaping the market:
CASH BUYERS: Less dependent on mortgage rates and focused on price, condition, and opportunity.
MORTGAGE BUYERS: More sensitive to rates, monthly payments, financing options, and affordability.
RATE-LOCKED HOMEOWNERS: Many homeowners with lower existing mortgage rates are hesitant to give them up, which can affect available inventory.
NEW-CONSTRUCTION BUYERS: Builders may offer incentives, upgrades, or financing options to help move available inventory.
Where you fit into that picture can change the strategy you should consider.
And in San Diego, the dynamics can look very different depending on your neighborhood, price point, property type, and goals.
The market isn’t one-size-fits-all. Neither is the strategy.
Which group are you in?
Comment “CASH,” “MORTGAGE,” “RATE-LOCKED,” or “NEW BUILD.”
📲 Ruben Rodriguez
• 619.261.9814
• DRE 01337209
• 24 Years of Local Real Estate Expertise