Whether you are deep in holiday mode or just trying to make it to the finish line, we hope your season’s off to a solid start.
On the real estate front, one of the sunniest stories of 2025 has been the gradual easing of mortgage rates. That came alongside three Fed rate cuts, but also from an important change most people never see. The spread between Treasury yields, which mortgage rates follow, and the rates buyers actually pay has been shrinking since 2023. (See this chart from HousingWire.)
Of course, the other major story in San Francisco has been the AI boom. The influx of fresh capital and high-earning tech workers has boosted housing demand, especially at the luxury end where we’re seeing the strongest price growth. As we covered recently on the blog, this unique momentum has made San Francisco a bright spot within the Bay Area market and one of the country’s best-performing metros.
What’s next for 2026? The future is untold, but if these trends continue, we expect things to keep moving in a modest upward direction. Tech wealth will keep driving the high end, while stable or lower rates could help more buyers and sellers feel comfortable making a move.
If selling is on your mind, smart pricing and presentation still make all the difference. The new year is also one of our favorite times to list and capitalize on that 'fresh start' energy. If you haven’t read it before, check out our post: Best Time to Sell a Home in SF? Try Winter, Not Spring
Above all, thank you for trusting us as your real estate advisor this year. If you want to talk through your plans or get a clear read on the market, let’s set up a Zoom consult once your schedule opens up.
Happy holidays from all of us at Vivre!
Google Is Testing New Home Listing Features in Search. Why That Could Be Bad News for Zillow - Yahoo!Finance
Design Pros Weigh in on Pantone’s Color of the Year, ‘Cloud Dancer’—a Fancy Name for White - Mansion Global
Time to build: Supervisors approve Lurie’s upzoning plan for 36,000 new homes - The SF Standard
The Top 10 Home Interiors of 2025 - Dezeen
These Are the Most Expensive Homes Sold in the Bay Area in 2025 - San Francisco Chronicle
Yet Another Safeway Site, in Mission/Bernal, Slated for Possible Redevelopment With Housing - SFist
Want to learn more about neighborhoods around SF? Here are a few we think you’ll love.
Looking for a trusted team to help you buy and/or sell a home in San Francisco? Reach out to us today. We'd love to help!
