Question 1

Is the Lock-in Effect ending in the San Ramon and Danville markets?

Accepted Answer

Yes. Data shows that in 2026, the number of homeowners with interest rates above 5% has tripled compared to 2022. As the gap between current mortgage rates and market rates narrows, more homeowners in the Tri-Valley are listing their properties.

Question 2

Should I sell my home now or wait until later in 2026?

Accepted Answer

Selling earlier in 2026 offers a strategic advantage. While inventory is rising, it is still relatively low compared to historical averages. Acting now allows you to sell with less competition before more homeowners reach the 5%+ rate threshold and decide to move.

Question 3

How can I afford a new home if my current mortgage rate is 3%?

Accepted Answer

For many Tri-Valley downsizers, high home equity allows for larger down payments or all-cash purchases. Additionally, California’s Prop 19 allows many seniors to transfer their low property tax base to a new primary residence, keeping monthly costs manageable.

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