San Diego Market Update — March 31, 2026

Here’s your weekly snapshot of where the San Diego real estate market and mortgage rates stand right now.

Quarter-end context for buyers and sellers

The end of March is a useful reset point because buyers can compare early spring inventory with their real payment comfort, and sellers can see whether pricing assumptions are matching current demand. Rates matter, but they are only one part of the decision. Condition, credits, repairs, HOA costs, insurance, commute, and the strength of nearby alternatives can change the practical value of a home more than a headline rate move.

A good plan separates urgency from discipline. Buyers should know their walk-away number before writing, especially if the home needs work or the payment depends on seller credits. Sellers should decide whether the listing is positioned to attract today's buyer, not last quarter's buyer. The strongest strategy connects the weekly market read to the exact neighborhood, property type, and likely buyer pool.