San Diego Market Update — March 31, 2026

This is an archived update. It summarizes the market and mortgage rate reports that were available when it was published.

What quarter-end meant for buyers and sellers

The end of March is a good time to take stock. Buyers can compare the early spring inventory with the payment they are truly comfortable with, and sellers can see whether their pricing assumptions match the demand they are seeing. Rates matter, but they are only one part of the decision. Condition, credits, repairs, HOA dues, insurance, the commute, and how strong the nearby alternatives are can change what a home is worth to you more than a headline rate move.

A good plan keeps urgency and discipline apart. Buyers should know their walk-away number before they write an offer, especially if the home needs work or the payment depends on seller credits. Sellers should ask whether the listing is set up to attract the buyer in the market now, not the buyer from the quarter before. The strongest plan ties the weekly market picture to the exact neighborhood, the type of home and the buyers most likely to want it.