12/11/2025
The Federal Reserve Board cut rates by a quarter 0.25% this week at its December meeting, the third cut this year.
When will rates drop enough to bring affordability back?
Here’s what the November 2025 data actually shows for Sacramento, Placer, El Dorado & Yolo counties:
Sacramento inventory down 4 straight months (−12.9%), sales volume plunged 24%
Median sold price dropped 3.1% to $555,000 (back to January 2025 levels)
Months of inventory rose to 2.9 months
Price-to-list ratio holding at 96% region-wide.
Most sellers aren’t distressed enough to slash prices, and buyers are maxed out on affordability. Expecting this standoff to last another 12 months with normal seasonal dips.
Best buying window may be late December 2025 – early February 2026.
Expected this Spring 2026: Normal and more listings to come.