REAL-TIME COASTAL MARKET PULSE
We hope you all had a great Thanksgiving and are easing into the holiday season. We snuck away to Palm Springs for a couple of days with friends, which was a nice reset before things get busy again.
On the real estate front, activity has definitely picked up. The calls, the showings, the buyer inquiries, even our website traffic has picked up momentum. We’re working with a lot of active buyers right now and have several great listings coming soon in La Jolla, Point Loma, and Cardiff.
This week, we pulled together 8 very different properties—everything from a fixer/lot opportunity to true oceanfront. You can see all of them, along with our notes, below.
And don’t shoot the messenger, but… property taxes are due December 10th. Here’s the link to the Tax Assessor site if you need it.
CURRENT INTEREST RATES
- 7 Year ARM — 5.125%
- 30 Year Fixed — 6%
- 10 Year ARM — 5.5%
A SMART MOVE: SET UP YOUR HELOC NOW
Do you have a HELOC (Home Equity Line of Credit) in place? We always recommend setting one up even if you don’t think you’ll use it. With current home values, most people are sitting on a significant amount of equity, and a HELOC can be a smart tool for short-term needs, financial planning strategies, or true emergencies.
The key is not waiting until you need it. If you want a referral to get one started, just let us know. Most homeowners can secure a standard line of $350,000–$500,000 without much hassle.
THE GOLDILOCKS MARKET — NOT TOO HOT. NOT TOO COLD.
Closed Sales:​
• 2025: 1,994
• 2024: 2,005
• 2019 (Pre-COVID): 2,695
New Listings:​
• 2025: 2,820
• 2024: 2,893
Active Listings:​
• 2025: 5,391
• 2024: 5,164
Months of Supply: 2.7
​Prices: Down 0.85%
Our Take:​
This is a steady, grinding market. Whenever you see headlines, make sure you understand what they’re reporting on and where—because the numbers vary dramatically across the country. San Diego remains a balanced market with relatively low sales volume. We’re still down about 26% from 2019 pre-COVID sales levels. Coastal neighborhoods, however, continue to show even stronger resilience.
All photos belong to the respective listing agents and/or their photographers.
