Published October 2, 2026 in Market Update

Primary market inventory stayed tighter than the national supply picture

By Ruth Brewer

Real estate, Primary market

The one fact that changes what you should do: your local supply is far below the national level. The National Association of Realtors put national supply at 4.9 months. The Real Estate Data Aggregator counted just 885 homes for sale across the Primary market, down 4.6% from a year before. Less supply means buyers have fewer choices. That matters whether you are selling or shopping.

Pending sales tell the clearest story. The Real Estate Data Aggregator counted 1,123 pending sales across the Primary market, up 18.1% from a year ago. Buyers are moving. Sellers who price well are not waiting long.

New listings rose too. The Real Estate Data Aggregator counted 1,264 new listings across the Primary market, up 5.5% from a year before. More sellers are coming to the table. But demand, up 18.1%, is growing faster than supply. That gap is what keeps this market tight.

How each ZIP code looked

The Primary market covers eight ZIP codes. Each one tells a slightly different story. Here is how they compared on median sale price and days on market for the three months ending July 31, 2026, per the Real Estate Data Aggregator.

A few ZIP codes worth a closer look

ZIP 95993 moved the fastest. The Real Estate Data Aggregator found a median of just 21 days on market there, 16 days shorter than a year before. Pending sales rose 50% year over year. That is a big jump.

ZIP 95624 had the highest share of homes sold above list price. The Real Estate Data Aggregator put that figure at 41.7%, up 9.9 points from a year ago. The sale-to-list ratio there hit exactly 100%. Sellers in that ZIP are getting what they ask.

ZIP 95828 saw half of all homes sell above list price. The Real Estate Data Aggregator counted 50%, up 18.8 points from a year before. Prices dipped 4.1% there, so buyers who do win are still paying attention to value.

ZIP 95692 is the smallest piece of this market. The Real Estate Data Aggregator counted just 10 homes for sale and 20 sold. The sale-to-list ratio slipped to 96.7%, down 3.7 points. Not every corner of the market moves the same way.

What the wider picture adds

Freddie Mac put the average 30-year fixed mortgage rate at 7.28% as of October 1, 2026. The 15-year averaged 6.60%. Rates above 7% slow some buyers down. That makes the local pending sales gain of 18.1% even more telling.

The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. The Primary market's own ZIP codes showed a mixed picture. Some prices edged up, some dipped a little. That is normal when supply is tight but rates are high.

The National Association of Realtors reported existing-home sales fell 2.0% month over month in August 2026 nationally. Locally, the Real Estate Data Aggregator counted 1,000 homes sold across the Primary market, up 13.6% from a year before. Local and national do not always move together.

One street can read very differently from the whole ZIP code. A block with more new listings, or a pocket where prices held firm, will not show up in these totals. If you want to know what your specific address looks like against what actually sold nearby, I can show you that.