Mortgage rates, home prices, days on market, and buyer assistance programs for Lake, Marin, Sonoma, Napa, Mendocino, and Sacramento counties. Mortgage rates refresh daily; county home-price numbers come from the California Association of Realtors and Redfin and update monthly, so you can decide on current information instead of last year's headlines.
Freddie Mac's Primary Mortgage Market Survey posts every Thursday. The 10-year Treasury updates every trading day. I watch both so I can tell you when to lock, not just when to start looking.
Watch the 10-year Treasury to see where mortgage rates are heading next week. When the 10-year rises, fixed mortgage rates usually follow within a few days.
Mortgage rates can move a tenth of a point in a single day. Locking at the right moment saves thousands over the life of the loan. Tell me your target rate and I will text you the day we hit it.
Takes 30 seconds. I will only contact you when your threshold is hit or with a direct answer to a question you ask me.
I'll reach out the moment rates hit your threshold. In the meantime, feel free to explore the market data below or call me anytime at (707) 893-7374.
The numbers below show how each county is behaving right now: the median sale price and how it has moved over the past year, the price per square foot so you can compare across areas, the year-over-year sales trend, and how fast homes are selling.
The midpoint of what sold: half of homes closed above it, half below. It moves with both prices and the mix of homes selling. Example: $1.81M in Marin versus $340K in Lake County shows how far the dollar stretches across the region (C.A.R., April 2026).
Useful for comparing across sizes and neighborhoods. Not a substitute for condition, location, or lot, but a quick sanity check. Example: $208 per sq ft in Lake County versus $874 in Marin tells you what the land and the zip code are worth, before you ever walk the house (Redfin).
How many homes sold compared with the same month a year ago. Positive means more closings; negative means fewer. Example: Napa up 18% while Mendocino is down 26% (C.A.R., April 2026) shows two very different paces in the same region.
Median time a home spends listed before going under contract. Rising days mean buyers have more choice. Example: 23 days in Marin means most homes land an offer in under a month; 117 days in Lake County signals patient buyers and room to negotiate (Redfin).
Principal and interest is only half the story. In California, Prop 13 sets the base property tax at 1% of purchase price, then local voter-approved bonds and special assessments stack on top. Homeowners insurance is still climbing in fire-affected counties, and any HOA dues come out of the same check. This calculator pulls real county tax rates so the number you see lands close to what your lender will quote in escrow.
Many qualified buyers leave thousands on the table because they never heard of these. Eligibility depends on income, purchase price, and property location. I can walk you through which ones fit before you write an offer.
Deferred second loan up to 3.5% of purchase price for down payment or closing costs. It pairs with an FHA, VA, or conventional first mortgage. Payments are deferred until you sell, refinance, or pay off the first loan.
Up to 20% of purchase price (capped at $150,000) toward down payment, structured as a shared-appreciation loan for first-generation buyers. You repay principal plus a share of the home's appreciation when you sell or refinance. Highly competitive, released in waves by random selection.
Zero down payment for homes in USDA-designated rural areas, which cover large portions of Lake County, Mendocino County, and rural stretches of Sonoma and Napa. Income caps apply. Often the best deal for eligible buyers.
Zero down, no mortgage insurance, competitive rates, relaxed credit guidelines for active duty, veterans, and qualifying surviving spouses. No purchase price cap in California as long as the buyer qualifies for the loan amount.
Federally insured loan requiring only 3.5% down with credit scores as low as 580. Best fit for buyers with limited savings or a thinner credit file. Carries mortgage insurance for the life of the loan in most cases.
Lake County Community Development administers a first-time buyer program using state HOME and CalHome funds when available. Deferred silent second loans for down payment and closing cost assistance for income-qualified buyers.
Down payment assistance specifically for credentialed school staff and certain school district employees. It can layer with MyHome.
Conventional loans with 3% down and reduced mortgage insurance for low-to-moderate income buyers. Often beats FHA total cost for qualified borrowers with good credit.
These averages are a compass. The price your home should list at, or the offer you should write, depends on the block, the condition, and the timing. My team and I build custom market reports for clients at no cost.
I reply the same business day with a report tailored to your block, your condition, and your timing.