Affordability Under Pressure: What Buyers Must Know Going Into Year-End

As 2025 winds down, one topic keeps dominating real estate conversations across California — affordability. With home prices holding strong and interest rates still higher than many had hoped, buyers are facing some tough decisions as the year comes to a close.

But while the pressure is real, so are the opportunities especially for those who understand the market and move strategically.

Here’s what you need to know before jumping in:

1️⃣ Home Prices Are Stabilizing — But Not Dropping

After several years of dramatic ups and downs, many California markets, including Riverside and the Inland Empire, are seeing price stabilization rather than steep declines. Sellers are becoming more realistic, and price adjustments are happening, but true “bargains” remain rare.

2️⃣ Interest Rates May Soften Slightly — Timing Is Key

Industry watchers are predicting gradual rate relief as inflation cools. Even a small dip in mortgage rates can make a big difference in monthly payments — and in what you can afford.

3️⃣ Inventory Is Opening Up — Especially for Motivated Sellers

The holiday season typically brings fewer listings, but this year is different. More homeowners are choosing to sell before 2026 to capitalize on remaining buyer demand.

4️⃣ Creative Financing and Local Programs Can Help

Many first-time and repeat buyers overlook local down payment assistance programs and temporary rate buydowns offered by lenders. These tools can make the difference between “almost affordable” and “just right.”

Thinking of Buying Before 2026?

Now is the time to plan your move while others wait for “the perfect market.”Let’s run the numbers together and find out what’s possible.

Call or message Russell Enyart today.