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11/11/2026

Today is Veterans Day. Thank you to everyone who has served. This week is about the VA home loan and what it can do in today’s Sacramento market.

If you’re a veteran or active-duty service member considering buying a home in Sacramento County, your VA loan benefits are worth exploring alongside today’s local housing numbers.

October brought 2,457 single-family homes for sale, the most in the past 15 months and 12.6% more than last October. Preliminary figures show about 800 closings and about three months of inventory. More selection gives buyers more homes to compare and may create room to negotiate on listings that have sat.

The price picture has two parts. The median sold price was $535,000, down 2.7% from last October, while average sold price per square foot held near last year at $330. The mix of homes sold affects the median, so a lower median doesn’t mean every home lost value.

For eligible buyers, VA loans can offer no down payment in many cases, no monthly mortgage insurance, and competitive rates. Those benefits may help preserve savings, although closing costs and a VA funding fee can apply unless you qualify for an exemption.

Myth. Sellers must pay all closing costs for VA buyers.

Reality. Buyers can pay many allowable costs, and seller contributions are negotiated.

Depending on the property, an offer could include a request for repairs or help with eligible closing costs. Mortgage rates still affect affordability, so the monthly payment, upfront expenses, and negotiated terms all deserve a look.

Sacramento County homes that sold averaged 36 days on market, faster than last October’s 41 days. Opportunities vary by neighborhood, price, and condition.

Would you like to explore how VA financing could fit your Sacramento home search? Let’s review your goals and local options, and connect you with an experienced VA lender.

Reach out anytime to schedule a consultation here. 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

11/04/2026

Waiting until 2027 to buy or sell a home in Sacramento? The latest housing forecasts may change how you look at that decision.

Economists are predicting a relatively steady housing market next year, but steady doesn’t mean lower rates or cheaper homes.

What About Mortgage Rates?

Fannie Mae and the Mortgage Bankers Association both see rates leveling off rather than dropping through 2027.

For Sacramento buyers hoping a big rate drop will do the work for them, the forecasts point the other way.

The savings are in what you control: comparing lenders, exploring loan programs, and negotiating seller concessions or rate buydowns.

Will Sacramento Home Prices Fall?

National forecasts point to modest home price growth in 2027, not a decline.

Locally, Sacramento County’s September data shows:

🔹 $555,000 median sold price, up 2.8% year over year
🔹 2,446 homes for sale, up nearly 10%
🔹 35 days average time on market
🔹 2.7 months of inventory

Prices are holding. Buyers have more to choose from, and sellers have more to compete with.

What This Means for 2027

Buyers: more inventory and longer market times open room to negotiate, even with rates where they are.

Sellers: pricing and presentation decide the outcome. Buyers are comparing more homes and looking harder at value.

Homeowners thinking about downsizing or relocating: the equity you’ve built can make the next move more affordable than you expect.

The Sacramento market is changing. The move is to plan around the market we have, not the one we’re waiting for.

Thinking about buying or selling in Sacramento, Elk Grove, Folsom, Rancho Cordova, or the surrounding communities in 2027? Let’s look at your options and build a plan around your goals, your timeline, and today’s market.

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

10/31/2026

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

10/28/2026

What if the equity in your current home could help you buy your next one without a mortgage?

According to the National Association of Realtors, 27% of homes sold nationwide in September were purchased with cash. More than one in four. And not all of those buyers are wealthy investors. Many are longtime homeowners using the equity they’ve built to purchase their next home.

According to Cotality, the average U.S. homeowner with a mortgage has about $310,000 in equity. In California, the average is $623,000, second only to Hawaii.

For homeowners thinking about downsizing in Sacramento, Elk Grove, Folsom, or Rancho Cordova, that equity can open up possibilities they haven’t considered. Selling a larger home and buying something smaller may mean buying with cash, or putting more down and carrying a smaller monthly payment. And with Sacramento County listings up nearly 10% from a year ago, there is more to choose from and more room to negotiate.

Buying with a mortgage? You’re still in the majority. In the price range where most Sacramento homes sell, data shows only about one in five sales earlier this year were cash.

Cash buyers are part of today’s market, but they aren’t the whole market. Your next move starts with knowing your equity and your local numbers.

📲 Curious how much equity you have and what it could mean?

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

10/21/2026

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

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

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Sacramento, CA

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http://www.EvaTagoreRealEstate.com/

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