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As we kick off the new year, one topic is dominating conversations across Placer County: mortgage rates have recently dipped to their lowest levels in roughly three years.

While rates are still above the historic lows of the early 2020s, this drop is meaningful — and it’s already influencing real estate decisions for buyers, sellers, and homeowners throughout the region.

Here’s what’s driving the change, why it matters locally, and how to think about it going forward.

What’s Going On With Mortgage Rates?

Over the past several days, mortgage rates have eased due to a combination of factors — including a recent federal mortgage-bond purchase announcement, which helped push bond prices higher and mortgage rates lower.

At the same time,…

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As we close out 2025, December’s numbers provide a clear snapshot of where the Placer County housing market stands heading into the new year. While activity slowed seasonally—as it typically does during the holidays—the market remained firmly tilted toward sellers, supported by limited inventory and steady demand.

Below is a breakdown of what stood out last month and what these trends suggest as we move into 2026.

Inventory & Sales Activity

December continued to reflect a seller’s market, even with fewer listings coming to market late in the year.

  • For-sale inventory: Up 13.3% year-over-year, giving buyers more options than last December

  • Month-over-month inventory: Down 23.2%, reflecting the typical holiday slowdown

  • …

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As we turn the page on another year, it’s a good time to reflect on how the Placer County real estate market performed in 2025 — and what current data and expert forecasts suggest for 2026.

Whether you’re considering buying, selling, or simply planning ahead, understanding where we’ve been and where the market may be headed can help you make more confident, informed decisions.

How the Placer County Market Shaped Up in 2025

2025 was another active year for local real estate, even as the market continued to normalize from the historically fast pace we experienced between 2020 and 2021.

Here’s how the year unfolded:

  • A Steady Seller’s Market
    Limited inventory and consistent demand kept Placer County in seller-favor territory for much of…

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If you’re exploring homes in Placer County, Loomis, Granite Bay, and Rocklin are often at the top of the list. While they’re close geographically, each offers a distinct lifestyle, housing mix, and day-to-day experience.

This guide breaks down the real differences — and the overlap — so you can decide which community best matches your priorities.

Living in Loomis: Small-Town Feel with Room to Breathe

Loomis is best known for its rural charm, larger lots, and low-density development, but it also has pockets of luxury and custom estate homes tucked throughout the community.

Many properties sit on one acre or more, and horse properties are common. Loomis also benefits from proximity to Folsom Lake, making it appealing for buyers who enjoy…

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Why People Love Living in Loomis

Loomis offers something that’s increasingly rare in Placer County: space, privacy, and a strong small-town feel, all while remaining close to major employment centers like Roseville, Rocklin, and Sacramento.

Located at the base of the Sierra foothills, Loomis blends rural charm with upscale living. You’ll find larger lot sizes, mature trees, horse properties, and a pace of life that feels more relaxed — without sacrificing convenience.

Many buyers start by learning about the lifestyle, then explore available
homes for sale in Loomis, CA
to see what fits their needs.

For buyers searching for Loomis real estate, the appeal often comes down to three things:

  • More land and privacy

  • Highly regarded…

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One of the most common questions I’m hearing lately is:

“Why did that house sell immediately… but the one down the street has been sitting for weeks?”

The short answer: the market is still moving — but it’s moving selectively, especially this time of year.

Placer County remains a seller’s market overall, but as we move deeper into winter, the pace naturally slows. Buyers are still active, but they’re more deliberate, more analytical, and more price-sensitive than they were a year ago. That shift is what’s creating very different outcomes for homes in the same neighborhood.

Here’s what I’m seeing consistently.

What Homes That Are Selling Have in Common

Homes that are selling quickly right now tend to share several important…

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As we move deeper into the winter season, the November housing numbers for Placer County show a market that continues to favor sellers while clearly slowing into its seasonal rhythm. Inventory remains tight, prices are steady, and buyers are still active — though more selective than they were a year ago. Below is a breakdown of how the market shifted and what these trends mean as we head toward 2026.

Inventory & Sales Activity

November saw a mild increase in year-over-year inventory, giving buyers a bit more breathing room, but the month-to-month slowdown reflects the typical holiday season dip.

  • For-sale inventory: Up 8.1% YoY, improving selection slightly.

  • Month-to-month inventory: Down 13%, with fewer new listings entering…

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There’s been increasing discussion about two major mortgage ideas that could reshape the U.S. real estate landscape: 50-year mortgages and portable mortgages. These proposals are designed to help unlock a market that has largely frozen in place, offering new ways to improve affordability and mobility—especially in high-cost areas like Placer County.

With inventory remaining tight across our region and throughout California, here’s a clear breakdown of what these proposals mean, how they might help, and what limitations still remain.

The 50-Year Mortgage: Pros, Cons & What It Solves (and Doesn’t)

A 50-year mortgage simply stretches a traditional 30-year mortgage into a longer term, reducing the monthly payment.

Potential Benefits

Lower…

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As we gather with friends and family today, I want to take a moment to wish you and your loved ones a warm and joyful Thanksgiving. This season always reminds me how fortunate I am to serve such an incredible community here in Placer County. Helping people navigate one of the biggest decisions of their lives — buying or selling a home — is truly an honor, and it’s something I never take for granted.

I’m deeply grateful for the trust so many of you have placed in me over the years. Your referrals, your support, and your confidence allow me to do what I love every single day.

What I’m Personally Thankful For This Year

On a personal note, this Thanksgiving has me reflecting on the blessings in my own life:

  • My health, which allows me to…

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Thanksgiving week is here — which means great food, family time, and (let’s be honest) more slices of pie than any of us planned for. It’s also one of the best times of year to get outside in Placer County. The air is crisp, the fall colors are still hanging on, and local trails are a perfect way to work up an appetite before the big meal or burn off the feast over the weekend.

Whether you’re looking for a mellow family walk or a more challenging hike, here are five of the best trails in Placer County to stretch your legs and enjoy the outdoors this Thanksgiving season.

1. Miners Ravine Trail (Roseville)

Roseville, CA
AllTrails: https://www.alltrails.com/trail/us/california/miners-ravine-trail

A local favorite for good reason. This mostly…

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