Primary market sales rose even with less inventory
The number that changes what you should do right now: Freddie Mac put the average 30-year fixed rate at 7.28% as of October 1, 2026. That is the highest it has been since January 2025, according to Realtor.com. Buyers are paying more to borrow. Sellers need to know that buyers still showed up anyway.
The Real Estate Data Aggregator counted 861 homes sold across the Primary market in the three months ending July 31, 2026. That is up 5.9% from the same three months of 2025. Demand held, even with rates where they are.
Choices stayed tight. The Real Estate Data Aggregator counted only 851 homes for sale across the Primary market, down 7.9% from a year before. New listings did rise, up 4% to 1,216, but they were not enough to rebuild supply. Pending sales reached 917, up 1.8%, which tells you buyers kept moving.
How each ZIP code read in the same period
The story was not the same everywhere. Some ZIP codes saw prices rise sharply. Others dipped. Speed varied a lot too. Here is what the Real Estate Data Aggregator counted, ZIP by ZIP, for the three months ending July 31, 2026.
| 92037 | 92106 | 92109 | 92107 | |
|---|---|---|---|---|
| Median sale price | $2,245,000 | $1,737,500 | $1,575,000 | $1,400,000 |
| Price change vs. 2025 | down 10% | up 1.6% | up 4.1% | up 12% |
| Homes sold | 144 | 50 | 121 | 60 |
| Median days on market | 34 | 26 | 34 | 31 |
ZIP 92037 had the highest median sale price at $2,245,000, but that was down 10% from a year before. Homes there also took 10 days longer to sell, and the sale-to-list ratio slipped 1.5 points to 97.1%, according to the Real Estate Data Aggregator. Not every home in the highest-priced ZIP sold fast or close to list.
| 92116 | 92117 | 92103 | 92102 | |
|---|---|---|---|---|
| Median sale price | $1,250,000 | $1,150,000 | $1,055,000 | $959,500 |
| Price change vs. 2025 | up 8.7% | up 11.1% | up 0.2% | up 32.8% |
| Homes sold | 63 | 115 | 116 | 38 |
| Median days on market | 15 | 15 | 21 | 37 |
| 92104 | 92110 | |
|---|---|---|
| Median sale price | $851,000 | $753,000 |
| Price change vs. 2025 | down 6.8% | down 9% |
| Homes sold | 80 | 74 |
| Median days on market | 23 | 29 |
Where homes sold fastest
ZIP 92116 and ZIP 92117 both had a median of just 15 days on market, according to the Real Estate Data Aggregator. That was 13 days shorter than a year before in 92116, and 8 days shorter in 92117. In 92117, half of all homes went under contract within two weeks of listing.
- 192116 – San Diego, CA15 days
- 292117 – San Diego, CA15 days
- 392103 – San Diego, CA21 days
- 492104 – San Diego, CA23 days
- 592106 – San Diego, CA26 days
- 692110 – San Diego, CA29 days
- 792107 – San Diego, CA31 days
- 892109 – San Diego, CA34 days
- 992037 – La Jolla, CA34 days
- 1092102 – San Diego, CA37 days
Where competition pushed prices above list
The Real Estate Data Aggregator found that in ZIP 92117, 41.7% of homes sold above list price, up 14.5 points from a year before. In ZIP 92116, 39.7% sold above list, up 14.3 points. In ZIP 92104, 35% sold above list. Not every ZIP looked like that. In ZIP 92037, only 15.3% sold above list, down 8.5 points.
- 192117 – San Diego, CA41.7%
- 292116 – San Diego, CA39.7%
- 392104 – San Diego, CA38.2%
- 492106 – San Diego, CA36.5%
- 592102 – San Diego, CA34.2%
- 692103 – San Diego, CA32.7%
- 792107 – San Diego, CA32.3%
- 892110 – San Diego, CA31%
- 992109 – San Diego, CA28.5%
- 1092037 – La Jolla, CA27.7%
The wider picture
Nationally, the National Association of Realtors reported 4.9 months of supply, the highest level in over ten years. The Primary market ran well below that. Most ZIP codes here sat between 1.9 and 3.5 months of supply, according to the Real Estate Data Aggregator. That gap explains why local prices held up even as national sales slipped.
The Federal Housing Finance Agency reported that U.S. house prices rose 2.1% year over year between the second quarter of 2025 and the second quarter of 2026. Several ZIP codes here outpaced that. ZIP 92102 was up 32.8%, ZIP 92107 up 12%, and ZIP 92117 up 11.1%, per the Real Estate Data Aggregator.
Freddie Mac also reported that the 15-year fixed rate averaged 6.60% as of October 1, 2026. Some buyers use that to lower their monthly cost. It is worth knowing both numbers when you plan.
- The Primary market sold more homes in the three months ending July 31, 2026, even with fewer choices and a 7.28% rate.
- Speed and competition varied a lot by ZIP code.
- ZIP 92116 and 92117 moved fast.
- ZIP 92037 and 92102 took longer.
- Prices rose in most ZIP codes, but dipped in 92037, 92104 and 92110.
One street can read very differently from the whole ZIP code. The numbers above cover broad areas. Your block may tell a different story. Reply and let's look at what is happening right where you are.
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Get my home value- Real Estate Data Aggregator numbers for ZIPs 92109, 92107, 92106, 92037, 92116, 92103, 92104, 92102, 92117 and 92110, the three months ending July 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Sep 3, 2026.
- Freddie Mac: Mortgage Rates, read Oct 4, 2026
- National Association of Realtors: Existing-Home Sales, read Oct 4, 2026
- Federal Housing Finance Agency: U.S. House Prices Rise 2.1 Percent Year over Year; Up 0.3 percent Quarter over Quarter | FHFA, Aug 25, 2026
- Redfin: Price-Drop Rate Ticks Up to Record September Rate Amid Strong Buyer’s Market, Sep 30, 2026
- Redfin: Mortgage Rates Jump as Markets Price in More Fed Rate Hikes, Sep 28, 2026
- Realtor.com: Weekly Housing Trends: U.S. Market Update (Week Ending Sept. 26, 2026), Oct 1, 2026