09/13/2026
San Diego home prices haven't crashed. 🏡
So why are nearly 2 out of every 3 home sales involving a seller concession?
That's the part of today's market the headline numbers don't always show.
Zillow says San Diego County home values are essentially flat year over year, while Redfin found 62.3% of sales in its three-month analysis ending May 2026 included a seller concession — from closing costs and repair credits to mortgage rate buydowns.
And Redfin's July 2026 report found sellers currently outnumber buyers by approximately 30.3%.
That means negotiating leverage is shifting.
Builders are doing the same thing, with 63% of builders nationally offering incentives in August 2026.
So the opportunity may not be a dramatic price crash. It may be negotiating power.
Instead of simply asking, "How much can I get the seller to reduce the price?" the better question may be: "What's the smartest way to use the money I can negotiate?"
Price reduction? Closing costs? Repairs? Rate buydown? A combination?
That's where real estate strategy and mortgage planning have to work together.
Jeremy and I put together a guide explaining smart ways buyers can use seller credits in today's market.
Want it? Comment "HOME" below and we'll get it to you.
DISCLAIMER: This content is for general educational and informational purposes only and should not be considered individualized real estate, financial, tax, legal, or lending advice. Market data and promotional offers are based on the cited sources and dates and may change without notice. Seller concessions vary by property, seller, transaction, loan program, appraisal, lender requirements, and borrower qualifications. Interest rates, builder incentives, mortgage programs, and promotional financing are subject to eligibility, availability, terms, conditions, and change. Examples discussed are not guarantees of savings, financing approval, seller participation, or future real estate performance.
