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Market Intelligence

Intelligence
briefing.

Weekly analysis at the intersection of bond markets and San Diego real estate. What the markets are signaling — and what it means for buyers and sellers in 92130, Carmel Valley, Del Mar, and beyond.

10-year Treasury

Live · 15m
4.253%
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Prev. close—
Updated—

30-year fixed mortgage

Weekly · PMMS
6.30%
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Prior week—
Week ending—
Metric Zipwide 1Y Change 3Y Change
Median listing price$2,099,000+1.50%+12.61%
Price per sq ft$845−1.17%+12.22%
Active listings78−24.24%+2.74%
Median days on market27 days+12.50%−10.00%
Rental properties201−4.58%−2.72%
Median rent$4,117/mo+1.11%+0.66%
Median listing price$2,799,500−6.53%−0.02%
Price per sq ft$1,230−0.16%−1.13%
Active listings227+14.22%+38.69%
Median days on market44 days+12.82%+2.33%
Rental properties245+10.62%+16.82%
Median rent$7,500/mo+9.09%−2.91%
Median listing price$3,988,000−4.93%+16.52%
Price per sq ft$1,399−13.43%+13.00%
Active listings62−5.00%+7.55%
Median days on market35 days−14.63%+12.90%
Rental properties790%−8.05%
Median rent$10,950/mo+36.88%+28.82%
Median listing price$6,192,500−11.47%+25.80%
Price per sq ft$1,005−1.28%+1.62%
Active listings104−15.79%+17.07%
Median days on market75 days+63.04%+31.58%
Rental properties26−32.50%−22.86%
Median rent$16,500/mo−14.29%−17.50%
Median listing price$1,449,950−13.44%−15.94%
Price per sq ft$659−6.52%−0.30%
Active listings1110%+31.76%
Median days on market29 days+11.54%−19.44%
Rental properties59−2.56%−26.92%
Median rent$3,216/mo−5.55%−0.19%
Median listing price$3,172,500+14.74%+24.41%
Price per sq ft$1,760+12.89%+32.73%
Active listings111−1.90%+60.94%
Median days on market58 days+18.37%+65.71%
Rental properties268−10.90%+11.90%
Median rent$8,250/mo+10.00%+10.00%
Median listing price$709,990−3.27%−16.42%
Price per sq ft$707−4.72%−11.74%
Active listings358+15.82%+128.75%
Median days on market43 days+16.22%+26.47%
Rental properties873+3.08%+27.46%
Median rent$3,190/mo−1.85%+3.87%
Median listing price$1,274,500+4.94%+6.30%
Price per sq ft$510−10.84%+6.69%
Active listings35−11.90%+32.14%
Median days on market23 days−43.90%−39.47%
Rental properties26+68.42%+10.34%
Median rent$2,796/mo−8.42%−6.36%
Key indicators as of March 2026  •  Source: Realtor.com

Foundational Guides

Why Carmel Valley Housing Moves Differently Than the Rest of San Diego — Foundational Guide
Foundational Guide

Why Carmel Valley Housing Moves Differently Than the Rest of San Diego

The 92130 housing market does not follow the same rules as the broader San Diego region. The reason is the buyer pool, and the buyer pool is leveraged to forces most other neighborhoods are not exposed to.

Read the full analysis
How Carmel Valley Schools Work — Foundational Guide
Foundational Guide

How Carmel Valley Schools Work: The Three Tier System Most Buyers Misread

The Carmel Valley school system works very differently from how most outside buyers assume. Understanding it correctly is one of the most expensive mistakes a relocating family can avoid.

Read the full analysis
The Two Locks Holding San Diego Inventory in Place — Foundational Guide
Foundational Guide

The Two Locks Holding San Diego Inventory in Place: Rate Lock and Prop 13

San Diego inventory is not low because nobody wants to sell. Two specific financial mechanisms make selling extremely expensive for the people who own homes today.

Read the full analysis

Recent Market Intelligence

San Diego Housing Market Frozen — Prop 19 Loophole for Longtime Homeowners
April 24, 2026  —  Market Intelligence

San Diego's Housing Market Is Frozen. Here's a Loophole Everyone Should Know About.

Inventory is locked in place by two forces: rate lock and property tax lock. A 2021 California rule change opened a door most longtime homeowners don't know exists.

Read the full analysis
Elijah Court 92130 Case Study — Listed $849k, Closed $863k, 3 Days on Market
April 17, 2026  —  Case Study

How I Sold 3835 Elijah Court in 3 Days: A 92130 Case Study

Listed at $849,000. Closed at $863,000 in three days with multiple offers. A full breakdown of the pricing thesis, positioning strategy, and execution behind the sale.

Read the full analysis
San Diego Market Intelligence April 2026 — CPI and Housing Data
April 10, 2026  —  Market Intelligence

March Inflation Spiked. What It Means for San Diego.

March CPI hit 3.3% on record gas prices — the largest monthly gasoline surge since 1967. Here is what it means for mortgage rates, consumer confidence, and the San Diego and Carmel Valley housing markets this spring.

Read the full analysis
AAA San Diego Gas Prices — April 2026
April 2, 2026  —  Market Intelligence

Gas Prices & Mortgage Rates: What the Double Squeeze Means for Carmel Valley

San Diego regular gas has jumped 26% in a single month to $5.94. Mortgage rates are ticking back up to 6.49%. For buyers and sellers in 92130, both numbers are moving in the wrong direction at the same time.

Read the full analysis
Bloomberg 10-Year Treasury Yield Chart — March 2026
March 27, 2026  —  Market Intelligence

The Bond Market is Signaling Stress: What Rising 10 Year Treasuries Mean for Real Estate

The 10 year yield has pushed to 4.42% — its highest level in months. This spike signals the Fed will keep rates elevated longer than anticipated. Here is what it means for buyers and sellers in Carmel Valley and 92130.

Read the full analysis

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