San Diego home prices hit $1,040,000 median in July 2025 — but smart buyers are still finding deals.
You're probably reading this because you're tired of watching from the sidelines while San Diego's marketplace pulse keeps climbing. The good news? 49.0% of homes sold below list price in March 2025, and homes go pending in just 17 days when priced right.
Here's your roadmap to buying fast in America's Finest City.
"San Diego's housing market in 2025 is experiencing a healthy reset. Limited supply and strong fundamentals continue to support pricing—especially in strategically located neighborhoods." — The Luxury Playbook
The reality check nobody's talking about
Most buyers enter San Diego's marketplace believing they need to throw money at overpriced properties. Wrong.
Buyers are pushing back when they sense poor value, and 47.8% of homes sold below asking price last month. The frenzied bidding wars of 2021-2022 are history.
What changed: Mortgage rates jumped from 2.7% to over 6.5%. Elevated mortgage rates are delaying homeownership for many residents, creating breathing room for serious buyers.
How The Cassity Team cracks the San Diego market
At The Cassity Team, we've helped hundreds of buyers navigate San Diego's unique marketplace pulse. Our secret? We don't wait for deals to hit the MLS.
Our go-to-market playbook includes:
â–¶ Access to 40-50% of luxury sales that happen off-market
â–¶ Network of 28,000+ agents at Real brokerage for pre-market intel
â–¶ Strategic negotiations that save buyers an average of 3-7% below list price
â–¶ Same-day property analysis using live marketplace data
Your San Diego deal map by neighborhood
The High-Value Zones (Sub-$1M opportunities)
Chula Vista & National City
Steady buyer interest in East County keeps these areas competitive. Expect $650K-$850K for 3-bedroom homes with growth potential.
Clairemont & Linda Vista
Central location with 15-20% value boost expected from new transit lines. Smart buyers are positioning here before the infrastructure upgrades hit.
The Appreciation Accelerators ($1M-$2M range)
Del Mar — $2.5M median with 10% appreciation
La Jolla — $2.8M median, 9% annual appreciation
Coronado — $2.2M median with top schools
The Luxury Strongholds ($2M+ markets)
San Diego's luxury market shows unique resilience with median prices at $3.2M, up 8.5% year-over-year. The $2M-$5M segment is a strong seller's market with 2.8 months inventory.
The numbers that matter right now
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Median home price: $1,040,000 (up 2.0% from July 2024)
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Days on market: 19 days average
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Homes selling below list: 47.8%
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Monthly payment for median home: Over $5,900 including taxes and insurance
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Income needed to qualify: About $237,000 annually
The marketplace pulse is clear: San Diego is experiencing a healthy reset with limited supply and strong fundamentals supporting pricing.
Why geography drives everything
San Diego has very limited space, which means inventory is very limited, so prices will continue to increase. Master-planned communities are adding 18,000+ homes, but it won't flood the market.
The supply-demand equation:
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Only 320 active luxury homes above $2M
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10,000+ annual tech migrants moving to San Diego
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San Diego needs streamlined permit processing for more development
The Cassity advantage: Your fast-track system
Step 1: Pre-market intelligence
We identify properties 2-4 weeks before they hit the MLS through our Real brokerage network.
Step 2: Strategic positioning
Our negotiation system leverages current marketplace data — not outdated comps from six months ago.
Step 3: Rapid execution
Well-priced homes in good condition still attract multiple offers and close fast. We move at the speed of opportunity.
I've watched too many buyers get paralyzed by San Diego's reputation for being "impossible" to crack. Truth is, the market rewards preparation more than desperation.
What's coming in 2026
Median home prices forecasted to rise 3% in 2025 and 4% in 2026. Mortgage rates expected to average 6.4% in late 2025, potentially dropping to 6.1% in 2026.
The smart money is positioning now — before rates drop and bring more buyers back to the marketplace.
Ready to move fast?
San Diego rewards buyers who understand the marketplace pulse and have the right team. The Cassity Team has the off-market access, negotiation expertise, and local intelligence to get you the keys faster.
Schedule your strategy session today. We'll show you the properties hitting the market next week — not next month.
Because in San Diego's marketplace, timing isn't everything — it's the only thing.
