Published October 4, 2026 in Market Update

Sales rose in Primary market even as new listings slipped

By Steph Baker

Real estate, Primary market

Here is the one fact that changes what a homeowner should do right now. Demand kept moving in Primary market even with borrowing costs near their highest point in years. Pricing and timing still need a street-level read, not just a ZIP code average.

The Real Estate Data Aggregator counted 972 homes sold across Primary market in the three months ending July 31, 2026. That is up 15.3% from the same months of 2025. So what: buyers are still closing deals, not sitting on the sidelines.

Freddie Mac put the average 30-year fixed rate at 7.28% as of October 1, 2026. CNBC reported the average contract rate for 30-year conforming loans reached 7.30% as of September 30, 2026. Realtor.com noted rates crossed 7% in late September for the first time since January 2025. So what: borrowing costs are real, and they matter when you price.

The Real Estate Data Aggregator shows homes for sale across Primary market fell 9.1% year over year to 773. New listings slipped 3% to 1,208. So what: fewer fresh listings mean less competition for sellers who price well.

Nationally, the National Association of Realtors reported existing-home sales fell 2.0% in August 2026. Yet year-to-date through the first eight months of 2026, the National Association of Realtors counted existing sales up 1.6%. So what: Primary market's 15.3% sales gain ran well ahead of the national trend.

How each ZIP code read in the three months ending July 31, 2026

The numbers below come from the Real Estate Data Aggregator for the three months ending July 31, 2026. Each ZIP tells a different story.

ZIP 95864 had the highest median at $885,000, though the Real Estate Data Aggregator shows that was down 6.8% from a year earlier. Days on market there rose 15 days to 30 days. Not every ZIP moved the same way.

ZIP 95814 saw its median jump 67.6% to $737,500, per the Real Estate Data Aggregator. But only 14 homes sold there, and median days on market rose 37 days to 72 days. A big price move on a small number of sales can shift fast.

ZIP 95831 had the Real Estate Data Aggregator's strongest sales count gain in the market, up 32.1% to 107 homes sold. Its sale-to-list ratio reached 101.4%, meaning homes there sold above list price on average. Nearly half, 48.6%, sold above asking.

Speed: how fast homes went under contract

In ZIP 95831, the Real Estate Data Aggregator shows 57.4% of homes went under contract within two weeks of listing. ZIP 95817 was close behind at 52.6%. ZIP 95814 was the slowest at 10.5%, down 14.5 points from a year earlier.

Realtor.com reported that nationally, pending sales fell 4.1% year over year as of September 30, 2026. In Primary market, the Real Estate Data Aggregator counted pending sales up 13% to 1,067. That gap tells a local story.

What the rate picture means here

Freddie Mac put the 15-year fixed rate at 6.60% as of October 1, 2026. The 30-year sat at 7.28%. Realtor.com reported active listings nationally were up 6.3% from a year ago. In Primary market, the Real Estate Data Aggregator shows listings were down 9.1%. Tighter local supply with rising national supply is a real difference.

Realtor.com also reported price cuts hit their highest September readings since 2018 nationally. Not every ZIP in Primary market followed that. ZIP 95816 saw its median rise 10.6% and ZIP 95817 rose 11.7%, per the Real Estate Data Aggregator.

U.S. home prices rose 3.7% year over year in August, the fastest annual growth rate in a year, according to Redfin. Month over month, Redfin reported a 0.25% gain on a seasonally adjusted basis. Local ZIPs like 95864 and 95811 saw prices dip, so the national figure does not tell your street's story.

A ZIP-by-ZIP snapshot

ZIP 95835 had the biggest percentage sales jump, up 40.7% to 159 homes sold, per the Real Estate Data Aggregator. Its months of supply fell 1 month to 2.8 months. More buyers, less time to choose.

ZIP 95822 had just 1.7 months of supply, the tightest in the market, per the Real Estate Data Aggregator. ZIP 95831 was close at 1.1 months. ZIP 95814 had 5 months of supply, the loosest of any ZIP here.

ZIP 95811 stood apart with 7 months of supply, up 3.4 months from a year earlier, per the Real Estate Data Aggregator. Only 14 homes sold there, and new listings rose 20.8%. More supply, fewer buyers: that changes how you price.

One street can read very differently from the whole ZIP code. The numbers above are a starting point, not the final word on your home. Reply and I will take a closer look at what is happening right where you are.