San Diego’s median list price is down 6.6% year over year to $922,500, but actual home values are up about 1%. Here’s what the September 2026 data really says for buyers and sellers.
San Diego mortgage rate outlook for 2026: where rates are headed, what drives them, and how to position yourself whether you buy or refinance.
Average San Diego mortgage closing time in 2026: 30 to 45 days for a purchase. Day-by-day timeline from application to closing.
FHA vs VA vs Conventional in San Diego: which loan saves you the most? Side-by-side comparison of down payment, PMI, credit, and loan limits.
Minimum down payment for a San Diego home in 2026: 0% with VA, 3% conventional, 3.5% FHA. Full breakdown including 20% to avoid PMI.
Minimum credit score to buy a house in San Diego in 2026: 580 for FHA, 620 for conventional, no official minimum for VA.