Higher home prices and interest rates create barriers for homebuyers. Here are ways to shop for a lower mortgage rate.
Scoring a low mortgage rate is a top priority for many potential homebuyers, as owning a home has become increasingly expensive over the last several years. High mortgage rates and rising home prices have long kept many would-be buyers on the sidelines.
Now, the Federal Reserve’s second rate cut of the year has renewed optimism that borrowing costs could continue to ease , leading many to wonder if this might finally be the right time to buy.
The average 30-year fixed mortgage rate has dropped to 6.17%, and the 15-year average sits at 5.41%, according to Freddie Mac. That’s nearly a full percentage point lower than at the start of 2025, when rates topped 7%. The decline offers long-awaited relief for buyers and could mark the beginning of a more favorable housing market ahead.
But a large swath of buyers are reassessing whether it’s the right time for them to purchase a home. Many homebuyers are holding off on entering the market in case lower rates do materialize.
This makes sense because even a small change in mortgage rates can have a significant impact on how much homebuyers pay.
To test that theory out, you can compare current mortgage rates with our tool, powered by Bankrate, below, or use our mortgage calculator to calculate your monthly payment.
How to score a low mortgage rate
If you’re looking to purchase a home in this market, taking these steps can help you score a low mortgage rate:
1. Increase your down payment
To qualify for the lowest rates on a conventional loan backed by Fannie Mae or Freddie Mac — the nation’s two largest mortgage buyers — you’ll need a 20% down payment, said Melissa Cohn, a regional vice president at William Raveis Mortgage, a national lender headquartered in Shelton, Conn. “The bigger your down payment, the better the rate,” Cohn said.
Need a little help piecing together a bigger down payment? DiBugnara recommended looking into national and local down payment assistance programs. You can research eligibility requirements for thousands of down payment assistance programs at DownPaymentResource.com.
You may be able to get a free credit score estimate through your bank or credit card issuer, or from a website such as Credit Sesame or Credit Karma — or use MyFICO’s credit score estimator tool.
If your credit score needs a boost, there are steps you can take to give it a quick lift. However, your best strategy will depend on why your score is lagging.
“Paying down some of your credit card debts can yield a higher FICO score in as little as two weeks,” said Ulzheimer, pointing out that your credit utilization ratio — the amount you owe on your credit cards, divided by your card limits — makes up a significant percentage of your FICO score.
A good rule of thumb: Keep your credit utilization ratio below 30%.
It’s also a good idea to check for errors on your credit report. With identity theft at an all-time high, “make sure all the information on your report actually belongs to you,” said Ulzheimer. “Someone could have opened a credit card in your name and run up a significant amount of debt.”
3. Shop around
Fannie Mae found that 36% of homebuyers received only one mortgage quote. But you’re more likely to find a lower rate if you shop around.
Get quotes from at least three lenders. Local lenders and credit unions tend to offer lower mortgage rates than big banks. You can also shop at online lenders such as Rocket Mortgage. Because underwriting requirements can vary, different lenders can give varying quotes.
4. Consider an adjustable-rate mortgage
ARMs — short for adjustable-rate mortgages — developed a bad reputation after the housing market crashed in 2008 because so many underqualified borrowers couldn’t keep up with their ARM payment increases. But today’s ARMs have more protections built in than pre-2008 ARMs and can be a good option for some buyers.
An adjustable-rate mortgage starts out at a lower interest rate than you would get with a fixed-rate mortgage. Then, after a specified period of time — usually three, five, seven or 10 years — the rate adjusts based on market indexes, though there are caps on how high-interest rates on ARMs can go.
“I like adjustable-rate mortgages when borrowers understand them,” DiBugnara says. “If you have an exit strategy, an ARM can be a great product.” For example, if you know that you’re going to sell your home in the next four years, getting a five-year ARM can save you thousands of dollars in interest.
5. Lock in the best rate
Qualified for a great interest rate? A mortgage rate lock allows you to lock it in for a set period — typically 30, 45 or 60 days — from the time you receive a conditional loan offer from a lender to when you close on a home.
“If something about your financial status, like your income or credit score, changes before you close on a home, your rate can still change,” Channel said. “A lender can also change the terms of your loan if it finds that you’ve failed to disclose something, like additional debts.”
In today’s market, with 30-year mortgage rates fluctuating from week to week, Channel suggested buyers get a “float-down” rate lock. With this kind of lock, you can potentially get a lower rate than you initially locked in if interest rates fall, he said. Lenders often charge a fee of 0.5% to 1% of the total mortgage amount for a float-down lock.
Keep in mind that the future is uncertain. “Nobody — not even financial experts or your lender — knows where rates will end up 30 to 60 days from now,” said Channel. “As a result, there will always be some risk in getting a rate lock.” But, he said, a rate lock can also pay for itself, especially in an environment where rates are rapidly rising.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
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Planning a renovation or even a few weekend updates? Staying on top of the latest home trends can help you make design choices that not only look fresh but also add lasting value to your space. Outdated materials or styles can quickly make a home feel behind the times—and may even affect its appeal down the road.
To help you make smart, stylish upgrades, we asked a design and construction expert to share the biggest DIY trends set to take over in 2026. From materials and color palettes to layout ideas and finishing details, here’s what’s next in home improvement.
Painted Shelving
Shelving has often been neglected in home designs, but in 2026 you will see more homes and apartments take advantage of the unique visual appeal of shelves to highlight these areas of the home. “
The color of paint will depend on your exact purpose with the shelving display. Two primary options will take the lead in 2026 trends with some DIYers painting the shelves a completely different color from the room, so that they stand out boldly, while others will choose a similar color in the same color palette to highlight the shelving without making it a focal point of the room.
DIY Spa Bathrooms
People are looking to take advantage of the space they have to fully relax and recharge at home, and what better way that to create a DIY spa in your bathroom.
“Creating simple spa-like spaces in large bathrooms by adding calming decor, candles, and natural elements is a strong trend as people prioritize home wellness and relaxation,” Kocur says.
If you are planning a bathroom renovation, focus on calm and relaxing colors, as well as more natural-feeling elements, such as a rain showerhead, stone tiles, and bamboo decor.
Elevated Minimalism
Serene and relaxing homes are the goal of 2026. With this in mind, DIYers are aiming to remove needless clutter and cut down on expensive, over-the-top aesthetic choices.
Rather, it will be sustainability and an elevated minimalism that will feature in most homes, as DIYers invest in sinks, fixtures, and stone finishes that can be repaired and refreshed regularly, instead of paying for replacements every time something occurs.
This investment in quality, minimalistic designs will cut back on waste and create a calm, uncluttered, timeless atmosphere to the home in 2026.
Reading Nooks
Whether they are used for reading, curling up to scroll on your phone, or sitting with a laptop to binge your favorite new show, reading nooks are a popular trend for 2026.
The best part about DIY reading nooks is that you can set them up in just about any area of the home, giving you a quiet space to escape to when you need a little time for yourself.
Yet, at the same time, these nooks aren’t so closed off that you feel inaccessible, making them perfect for couples and families who enjoy the shared presence of having others nearby despite doing their own separate activities.
Color Capping
The ceiling of the room is an often ignored aspect, typically painted in white and left completely untouched, even when you repaint the walls several times over the years.
But in 2026, color capping will be a popular trend, which involves painting the ceiling a different color from the walls to help it stand out more in the space.
DIYers can create a cohesive look by painting the ceiling in a shade from the same color palette as the walls—just a bit lighter or darker—to give it subtle contrast without fully color-drenching the space.
Painting the ceiling a significantly different color, but one that still works well with the existing wall color, can also be a great way to create a unique color-capped space.
Outdoor Relaxation Spaces
It’s not just the interior of the home that you need to pay attention to when you are considering new trends for 2026.
“Outdoor patios, decks, or gardens are being transformed into private relaxation zones, adding greenery, comfortable seating, and soft lighting,” Kocur says.
Instead of opening up the yard for large gatherings, DIYers in 2026 will be focusing on creating small, dedicated spaces for privately relaxing outdoors.
While these spaces will still be suitable for company, the goal will be more on small gatherings with a few close friends or relatives, so you can enjoy have a cup of coffee in the morning sun.
Even in the evening, these relaxing spaces will be lit with soft lighting that highlights naturally appealing elements, like hanging flowers, without overwhelming the space, so you can still watch the stars in the sky.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral or some guidance – we are here for you. Contact us at your convenience – we are but a call, text or click away!
The Caton Team believes, in order to be successful in the San Fransisco | Peninsula | Bay Area | Silicon Valley Real Estate Market we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true. How can The Caton Team help you?
A mother and daughter-in-law team with over 35 years of combined, local Real Estate experience and knowledge – would’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Call | Text | Sabrina 650.799.4333 | Susan 650.796.0654 |EMAIL | WEB| BLOG
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For many in the process of a kitchen remodel, a huge kitchen island is often a key ingredient in the dream kitchen formula. That’s why two headlines from reputable design publications I read recently shocked me, one asking if this was the year to say goodbye to the kitchen island, and the other claiming that there was nothing worse than an awkward island. Could they be on to something? Islands add extra storage, prep space and seating, too, but do the cons—such as price and space constraints—outweigh the pros? As a food editor, recipe tester, and general home-cooking enthusiast and expert, I’m here to explore the topic and get to the bottom of whether an island is actually worth it.
Pro: Kitchen islands create more space.
Aside from aesthetics—which are often a major factor—the biggest advantage of adding an island is the extra space. Positioned at the center of the kitchen and typically built from cabinet boxes, an island provides both more countertop area and additional closed storage compared to having only perimeter cabinetry. It can also serve as a convenient spot for extra appliances, such as a dishwasher, under-counter microwave, beverage fridge, fridge or freezer drawers, and even an ice maker.
Con: You may need additional plumbing and electrical, which can get expensive.
Depending on your kitchen plans, you might need to add electrical outlets, plumbing (for a sink, dishwasher, or ice maker), or even venting if you’re including a cooktop or microwave. Just know that these upgrades can add up fast—outlets typically run around $150 to $300 each, plumbing can cost anywhere from $500 to $2,000, and venting installation might add another $1,500. And that’s before you even get to the island itself. Think $2,000 to $5,000 for cabinetry, $500 to $1,000 for any custom woodwork, and $1,000 to $4,000 (or more) for countertops, depending on the size and material you choose.
A kitchen island creates a natural visual focal point and can provide additional storage space.Getty Images
Pro: Kitchen islands create a visual focal point and a natural gathering spot.
Rather than leaving a big, empty void in the middle of your kitchen, an island can act as a visual anchor that instantly draws people in. It’s where everyone naturally gathers, whether you’re setting out a buffet for a holiday dinner, pulling up extra stools for guests, or helping with homework while you cook. To make it shine, try open shelving or glass-front cabinets to show off your prettiest dishware or a stack of well-loved cookbooks. And if you’re a fan of decorative lighting, this is the perfect place to make a statement with eye-catching pendants or a striking chandelier above the island.
Con: Kitchen islands require a large amount of space.
Kitchen designers recommend leaving at least 36 inches of clearance on all sides of a center island to comfortably move around the space. For a more functional layout, especially if more than one person is cooking, 48 inches is ideal. As a general rule, your island should take up no more than about 20% of your kitchen’s total square footage, ensuring it enhances the flow rather than crowds the room.
Pro: Adding a kitchen island can help with resale value.
Despite the headlines, most homeowners and homebuyers still want the increased functionality that kitchen islands bring. And even though they add to the expense of a new kitchen or renovation, when done right, an island can often recoup 80% of its cost at resale. If budget and space are a factor, consider installing a freestanding island that doesn’t require extra plumbing or electrical and can either move with you or stay with your home if you ever sell.
Having storage and organization systems in place will help you avoid kitchen clutter on your island.Getty Images
Con: Islands are often a magnet for kitchen clutter.
Consider which appliances and utilities you want to include in your island and how you’ll actually use them. For instance, if your main sink will be on the island and you typically keep a drying rack nearby, expect that dishes may end up there, too. Because islands often sit in a kitchen’s main pass-through zone, they can easily become drop spots for mail, packages, water bottles, and backpacks. To keep clutter in check, plan ahead for dedicated storage or organization solutions in your new layout.
The bottom line:
Kitchen islands add functionality, charm, and comfort to almost any kitchen. Be aware of your space constraints to avoid awkward or tight corners, and definitely don’t force one in if it simply doesn’t fit in your home’s footprint. Lastly, consider stand-alone or rolling islands instead of built-ins for cost and space savings.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
If you’re wishing you could easily upgrade your bathroom, you’re not alone. While there are plenty of design ideas that involve remodeling or significant construction, sometimes the best upgrades are also the simplest.
To find out which small-scale changes make the biggest difference, we asked three interior designers to name a few of the best, easiest bathroom upgrades that can instantly make your home look better—no major remodel or demolition required.
Meet the Expert
Lauren Saab is the founder of Saab Studios, a design studio in Dallas, TX.
Reanna Channeris the founder of Design to Elevate, a Seattle-area interior design studio.
One overlooked feature that can make all the difference in any room is lighting, and your bathroom is no exception. “Lighting can completely shift the mood of a bathroom,” says Lauren Saab, founder of Saab Studios. She says you can “start by changing your bulbs to a softer tone and add dimmers if possible. It lets you control the light intensity throughout the day, and that flexibility is exactly what people want.”
You don’t need to overhaul all of your lighting to make a change. According to Saab, even tiny changes in your lighting can make a major difference because you’ll create a softer, more relaxing atmosphere.
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Another simple way to easily upgrade your bathroom? Replacing the plumbing fixtures and hardware with something more upscale. “These elements are the jewelry of your bathroom, and allow for personalization,” says Reanna Channer, founder of Design to Elevate, so “choose a style and finish that will complement your design theme and flow seamlessly with the rest of your home.”
If you’re not sure where to start when it comes to making hardware changes, consider your faucets, shower heads, and cabinet hardware. It’s important to consider your bathroom’s colors and design, but keep in mind that picking hardware options in colors such as gold, silver, or bronze bring an instant touch of elegance to any room. You can also consider choosing options with more embellishment. Thrifting your hardware is another great idea—you can find fixtures with tons of history and personality to liven up your space.
Swapping Out Your Mirror
One of the main focal points of a bathroom is the mirror, and according to our experts, swapping your mirror for a bigger size can make a massive difference in the look of your space. Whether you want to create a statement or make the room look larger, you have options.
“Choose a bold mirror and a decorative light fixture that complement each other. This combination not only enhances the look of the bathroom, it also creates a focal point that draws the eye,” says Channer. Though if you prefer to keep things more simple, Saab says to choose an oversized mirror with a rounded or simple frame—both make a big impact. “An oversized mirror bounces light everywhere, and suddenly the whole space feels open again. That one little change can make a small bathroom feel much larger and well-designed,” says Saab.
Try Adding Paint
A tried and true method for a room upgrade is as simple as adding some paint mix, according to Nancy Davilman, principal designer of ND Studios. “Paint is a great tool for a quick refresh—you can paint your vanity to brighten it up,” Davilman says, but if that’s not your vibe, you can paint many other pieces of furniture in your bathroom to bring in a pop of color.
You can also paint the walls. Whether you incorporate a sleek, sophisticated pattern or a bold hue to make a statement, paint is a simple, easy way to transform a room. If painting is too permanent of a solution but you’re still feeling ready for a big, bold change, opt for wallpaper as a renter-friendly solution instead.
Choosing a New Rug
If you haven’t bought a new bathroom rug recently, you should. Making the switch to a newer one can be a quick, easy way to refresh your bathroom.
“A standard bath mat gives off dated vibes,” says Channer. “Transition to a soft area rug or runner with color and pattern. This upgrade feels grounding and inviting, a welcome contrast to the cold, hard surfaces in a bathroom.”
You can also think about replacing other fabrics, such as towels or shower curtains, to give the space a fresh feel. Softer textures like cotton or silk-cotton blends can create a spa-like atmosphere, while plush bath mats can make the space feel luxurious.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
Once seen as a rare and novel luxury, the residential elevator is becoming a fixture in modern home design—even if it’s not yet installed.
While your house may not havea lift, it’s increasingly likely that it was designed with one in mind, and the potential for one is already baked into your blueprints.
“The older we get, it seems like those stairs seem to get steeper,” says Tim Fischer, CEO of Southeast Elevator.
Yet few homes are actually equipped to meet that demand. Only 10% of the current housing stock is estimated to be prepared for senior living, according to AARP.
In response, builders and architects are getting creative, designing homes that accommodate the unique needs of an aging population, or at least make it easier to add those features down the line.
Planning ahead: Why timing matters
It’s no coincidence that the adage “measure twice, cut once” comes from the construction world—redoing work is costly. The same rule applies to elevators: Adding one during a home’s design or renovation phase is far easier, cleaner, and more affordable than trying to squeeze it in later.
“From a practical standpoint, it is always smarter and more cost effective to add an elevator during construction or a renovation rather than after a home is finished,” says Nick Malinosky, a luxury real estate agent with Douglas Elliman.
When an elevator is planned from the start, the necessary shaft, electrical, and structural support can be built directly into the floor plan, saving homeowners from having to open walls, cut through floors, or reroute mechanical systems after the fact, he adds.
“It’s always easier, and often quite feasible, to put an elevator in new construction, as you can plan for it right from the start,” emphasizes Diana Melichar, owner of Melichar Architects. “Adding an elevator to an existing home has its challenges [like] finding a vertical space on multiple floors, renovating adjacent spaces to accommodate an elevator shaft, revising the structure as needed.”
That’s why simply designing for the possibility of an elevator upfront can be just as valuable.
“People are now spending a lot more time and effort planning and thinking about elevators, whether it is something that is needed today or down the road,” says Fischer.
“We always tell our builders, even if you’re not gonna put the elevator in, prep the house. So that if a life event happens that the homeowner needs to add an elevator, it’s much less of an intrusive project,” he adds.
Fischer advises builders to stack closets. “That’s the easy way,” he says. “Put a closet over a closet. When the time comes that you want to add an elevator, there’s your shaft.”
It’s an easy and affordable method that allows homeowners to future-proof their layout without the immediate cost of installation.
That foresight can have a big financial payoff, too. Fischer estimates that it can mean the difference between paying roughly $10,000 in general contracting work to prep a home that’s been designed with an elevator in mind and $30,000 to $60,000 if the space wasn’t planned in advance.
Ready for something new?
What it takes: Cost, space, and structural requirements
But even if a home hasn’t been designed for an elevator, installing one isn’t as complicated or as spacious as many homeowners or builders assume. Most residential models require about 20 to 25 square feet per floor.
The cost, however, can vary widely depending on design, layout, and construction type.
For new builds, a standard two- or three-stop home elevator typically costs between $20,000 and $35,000, depending on the model and finish.
Retrofitting an existing home can push total costs significantly higher—often $45,000 to $80,000 once structural changes, wall openings, and mechanical rerouting are factored in, according to industry estimates from 101 Mobility and Lifton Home Lifts.
The type of elevator will also have a significant impact on the total cost and feel. Hydraulic, traction, and shaftless designs each have unique space and aesthetic considerations.
Hydraulic elevators, for example, offer a smooth and quiet ride but require additional space for a small machine room. Shaftless or pneumatic systems can fit into tighter footprints but tend to cost more per square foot.
You’ll need reinforced load-bearing walls, dedicated electrical connections, and a small recessed area known as the pit on the ground level, usually hidden beneath a removable closet floor in prepped homes.
The resale effect: Future-proofing for value
Beyond day-to-day convenience, a home elevator can also boost a property’s long-term appeal as accessibility and aging-in-place features become higher priorities for buyers.
“Home elevators are quite appealing for resale because a prospective buyer can imagine a sense of opportunity in that home,” says Melichar. “That opportunity comes in the ability to be flexible with who is living in your home, [whether it’s] yourself as you age, an aging parent, or you or a family member who has an injury.”
By making a home adaptable to multiple generations and mobility levels, an elevator can significantly expand the buyer pool—a major advantage in a competitive market.
“Buyers appreciate that level of thoughtfulness, whether it is about accessibility for family members, staff convenience, or simply imagining the home as a forever property,” says Malinosky.
Elevators project a sense of permanence, comfort, and care that resonates with today’s “forever home” mindset.
Future-ready homes start with design
Today’s homes are being built with tomorrow in mind, and that can offer a huge return for homeowners.
“An ounce of preparation on the front end can certainly help that homeowner on the back end,” emphasizes Fischer.
By integrating accessibility early—whether as a visible design feature or a hidden, elevator-ready space—architects and builders are laying the groundwork for generations of homeowners to be able to comfortably age in place. And with 75% of older adults reporting wanting to be able to stay in their homes as they age, according to AARP, that may become the most valuable home feature.
As Melichar puts it, “Careful and thoughtful planning by an architect can make a home elevator a valuable benefit.”
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
In 2026, we expect a steadier housing market, but it’s not yet off to the races. Mortgage rates are forecast to average 6.3%, easing affordability pressures slightly, while home prices rise modestly by 2.2%. Existing-home sales should climb about 1.7% to 4.13 million, a small but meaningful gain from 2025’s near 30-year low. At the same time, for-sale inventory will continue to recover, up nearly 9% year over year.
For homebuyers and sellers, the shift signals a more balanced market—one where price growth steadies, rate relief offers breathing room, and negotiating power tilts subtly toward buyers. Housing affordability improves as incomes outpace inflation, pushing the typical payment share of income below 30% for the first time since 2022.
Meanwhile, renters benefit from softening rents—especially in the South and West.
Forecast Table
2026 Realtor.com Forecast
2025 Realtor.com Full-Year Expectations
2024 Historical Data
2013–19 Historical Average
Mortgage Rates
6.3% (avg); 6.3% (year-end)
6.6% (avg); 6.3% (year-end)
6.7% (avg); 6.7% (year-end)
4.0% (avg)
Existing-Home Median Price Appreciation (YoY)
+2.2%
+2.0%
+4.5%
+6.5%
Existing-Home Sales (YoY | Annual Total)
+1.7% 4.13 million
+0.1% 4.07 million
-0.6% 4.06 million
+2.1% 5.28 million
Existing-Home For-Sale Inventory (YoY)
+8.9%
+15.2%
+15.2%
-3.6%
Single-Family Home Housing Starts (YoY | Annual)
+3.1% 1.00 million
-4.3% 0.97 million
+6.9% 1.02 million
0.77 million
Homeownership Rate
64.8%
65.1%
65.6%
64.2%
Rent Growth
-1.0%
-1.4%
-0.6%
+5.2%
Home Sales Rise Modestly From Long-Term Lows
Existing-home sales are expected to edge up 1.7% in 2026 after a nearly flat 2025. Even with this modest rebound, existing-home sales will remain well below normal as high prices and financing costs continue to hold back demand.
If home sales eke out a gain in 2025, as anticipated, 2024 existing-home sales (4.06 million) will remain the record, 29-year low (in 1995, existing-home sales were 3,849,000). Looking ahead, we expect growth in home sales in 2026. Still, the improvement will be modest nationwide as familiar challenges—diminished affordability due to high prices and still-high mortgage rates—continue to weigh on homebuyers.
The mortgage rate lock-in effect—caused by market rates that are well above the rates on existing mortgages—has left many homeowners with a strong reason to stay put. In fact, recent data showed that 4 out of every 5 homeowners with a mortgage has a rate below 6%. The share has waned gradually, a trend that will continue in 2026. As a result, turnover will be limited with moves likely to be spurred by life necessities such as job or family changes.
Home Prices Climb, but Not in Real Terms
Home prices are expected to continue to climb in 2026, adding 2.2% for the typical home sold. These gains come on top of the 2% increase registered in 2025. However, inflation is expected to outpace these gains, with consumer prices likely growing more than 3%. That means real (inflation-adjusted) home prices will decline slightly for a second consecutive year.
This dynamic—nominal prices rising but real prices slipping—gradually improves affordability, even if it doesn’t feel like a dramatic shift to most buyers or sellers. Put simply, the sticker price of homes keeps going up, but the overall price level and incomes rise faster, meaning that it takes a smaller chunk of each paycheck to buy a home. The slow normalization process helps buyer incomes catch up.
Affordability Improves as Mortgage Rates Steady and Incomes Grow
Even though home prices are expected to go up, affordability is set to improve modestly in 2026. After higher-than-expected interest rates in most of 2025, mortgage rates finally relaxed in the second half of the year, dropping into the low 6% range. We expect the average 30-year fixed mortgage rate to remain roughly in this range throughout 2026, averaging 6.3%, as slowing economic growth and the end of the Fed’s quantitative tightening offset rising U.S. government debt and inflationary pressure that’s expected to be temporary. While this puts the average 30-year fixed mortgage rate on par with the last few months of 2025, it will mark a drop from 6.6% on average throughout 2025 as a whole.
The typical monthly payment to buy the median-priced home sold is expected to fall 1.3% year over year as home price growth moderates and mortgage rates drop on average. This will mark the first decline in monthly payments on average across the year since 2020. Furthermore, rising incomes, which should outpace inflation, give buyers more purchasing power, helping to shrink the share of a paycheck that has to be put toward the mortgage. The monthly payment to buy the typical home is expected to slip to 29.3% of median income, its first year below the 30% affordability threshold since 2022, when mortgage rates shot higher. The gains may be modest, but they mark an important shift toward better conditions for homebuyers.
For-Sale Inventory Recovery Slows, but Still Outpaces Sales
Even though we saw some sellers delist rather than accept disappointing terms in 2025, the housing inventory recovery continued. The number of active for-sale listings marked two years of consistent growth in October, and the pace of annual unsold inventory recovery is likely to match 2024. Nevertheless, the pace of recovery has slowed as the market approaches pre-pandemic norms, and we expect this to continue in 2026.
We project an 8.9% increase in active listings in 2026, marking a third consecutive year of gains. The pace of improvement has slowed, however, as the market edges closer to pre-pandemic norms. By year’s end, nationwide inventory levels are expected to remain roughly 12% below pre-2020 averages, an improvement from a 19% gap in 2025 and nearly 30% in 2024.
The national housing market will remain in balanced territory in 2026, averaging 4.6 months of supply across the year. Even so, momentum in the housing market is expected to tilt toward buyers as a more substantial growth in the number of homes for sale than homes sold shifts the balance of supply and demand. Housing affordability will remain a stumbling block for many, especially younger and first-time buyers, but negotiating power is expected to improve.
National Rent Softening Creates Mobility Opportunities Concentrated in the South and West
Renters are likely to see continued relief from declining rents in 2026, as a robust multifamily construction pipeline adds to rental supply and helps drive rents down. With more new units entering the market, vacancy rates are expected to approach—or even exceed—the long-term average of 7.2% observed between 2013 and 2019 by the end of 2026.
However, regional trends are expected to be a factor in the rental market in 2026. For renters living in expensive, high-density markets such as New York City, elevated rents will continue to pose significant affordability challenges. Even with rent freezes citywide—a policy preferred by Mayor-elect Zohran Mamdani—and sustained income growth, it would take decades—not years—for rents in New York City to become truly affordable.
New-Construction Trends
New-home construction has faced headwinds in 2025, from new tariffs on lumber and home finishings to a pullback in buyer demand resulting from high mortgage rates and low consumer sentiment. Builders have responded by pulling back on permitting and starting new projects at the same time that they push to sell completed inventory by offering incentives to buyers like mortgage rate buydowns and cash at closing.
New construction has emerged as an affordable alternative to resale homes, with the price per square foot of new builds actually falling below that of existing homes. With the number of newly built homes for sale near an all-time high, builders are motivated sellers—and they provide healthy competition to sellers in the resale market. The inventory of existing homes for sale is lacking low-priced, entry-level options in many markets, so builders are likely to continue to fill that gap, offering smaller and more affordable homes such as townhomes and rowhomes, which have been growing in popularity.
The Economy Continues To Grow Even as It Shows Strains From a Period of Rapid Adjustment
Nominal economic growth in 2025 slowed modestly as the economy weathered sizable changes to trade, immigration, and tax policy. The slowdown moved real, after-inflation economic growth back to trend from a period of above-trend growth. A similar on-trend economic performance is expected in 2026.
Inflation, which has been a thorn in the economy’s side for nearly a half-decade, reached a significant low point in spring—headline inflation hit 2.3%, per the consumer price index. This progress wasn’t sustained, however, and inflation picked back up as new tariffs affected the costs of goods, a trend we expect to see in 2026.
As economists debate the degree to which the Fed needs to respond or look through these price shifts, wages have continued to outpace inflation, creating real additional spending power for consumers. This has enabled household budgets to continue to catch up from the recent inflation-driven squeeze.
But a softening jobs market driven by companies paring back hiring and in some cases shrinking their workforce as they plan to right-size in the face of expanding AI capabilities and investment has put a question mark on whether wage growth will continue with the same strength.
Our outlook for 2026 expects median household income growth of more than 3.6%, which is just expected to exceed inflation, as it edges back up past 3%. Unemployment, which was at 4.3% in August, is expected to climb further, but not exceed 5% in 2026. In aggregate, consumers look to be in good shape, but lower-income and younger individuals may be more vulnerable as the labor market cools.
But Economic and Policy Risks Abound
The U.S. economy has weathered notable challenges in 2025, and several risks could cloud the 2026 outlook. Policy uncertainty around fiscal and trade measures may influence both inflation and consumer confidence. While the federal government has reopened, the recent shutdown caused some permanent economic loss, and the temporary nature of the continuing resolution means fiscal risk looms again at the end of January.
The possibility of a Federal Reserve policy misstep—either remaining too tight or easing prematurely—remains a key concern. Further, the Fed will experience a leadership transition as Jerome Powell’s chairmanship ends on May 15, 2026. A successor has yet to be named, although several candidates have been publicly discussed. The chair plays a strong role as the lead public voice of the Federal Open Market Committee, the body that makes monetary policy decisions, but the chair is also just 1 vote of 12, so the role’s impact on monetary policy is more indirect and will vary depending on the characteristics of the person who fills the role.
A softening labor market poses another risk: If job losses accelerate or wage growth stalls, consumer spending could weaken, potentially dampening both housing demand and economic growth. Additionally, inflation could fluctuate depending on how tariffs, energy costs, and global supply conditions evolve.
While a full-blown recession is not the base case, the economy is in a period of accelerated adjustment where a “misshift” in policy or sentiment could cause a temporary setback that would have implications for the housing market.
Housing Perspectives
What will the market be like for homebuyers, especially first-time homebuyers?
Homebuyers will see modest improvement in their bargaining power in 2026, as affordability and inventory inch higher, building on the gains they saw in 2025. Although the national housing market will remain in balanced territory, there will be substantial regional variation. Already in 2025, at least seven major housing markets have crossed into buyer-friendly territory, and that list is likely to grow in 2026. This doesn’t mean that the housing market will be “easy” for buyers, but we do expect to see more sales in 2026, a sign that more buyers will be able to successfully navigate the market’s challenges.
How can homebuyers prepare?
As affordability remains a top concern, buyers want to be financially ready to find success in the 2026 housing market, and that means not only knowing your budget numbers but also understanding the market norms and cheat codes. Where will extra financial effort pay off, and which goals are not worth pursuing?
Recent data shows that down payments have leveled off as some of the market competitiveness releases pressure to compete here. Buyers don’t need a record-high amount of cash to successfully buy a home, but the down payment size can still affect monthly housing costs. A larger down payment can reduce monthly costs by lowering the amount borrowed and also the mortgage rate buyers may be able to secure. Research shows that even as the typical homebuyer does not get all the way to a 20% down payment, those who are close to that threshold will see a big drop in their mortgage rate if they meet the 20% target.
Buyers in the Northeast and Midwest may find new construction harder to come by since it generally comprises a smaller share of for-sale listings in these regions. However, metros in these regions tend to have more abundant fixer-uppers. Buying a home that needs work isn’t without challenges, but it may be a move to consider for those with skills and the readiness for a project.
What will the market be like for home sellers?
In 2025, sellers faced a year of rising home inventory and sluggish sales. These trends combined to nudge the housing market away from a seller’s market to a balanced market for the first time in nine years, as we anticipated in our 2025 housing forecast. This momentum is likely to continue in 2026, when sellers will face a market moving even further into balanced territory.
Sellers who definitely want to sell will want to pay attention to the competition when setting a price, and they may need to be prepared to adjust expectations based on market feedback. The degree of adjustment will depend on their geography and their price point. Recent data shows that price cuts are somewhat more common among lower-priced homes, and comparatively rare among homes priced above $1 million.
One source of demand that has remained relatively steady comes from investors who comprise just over 1 in 10 homebuyers in the most recent quarter nationwide, and up to twice that share in some metros.
What will the market be like for renters?
In 2026, rental supply is expected to continue outpacing demand, driving down rents and increasing renter mobility—especially cross-market rental demand. While more new multifamily units are anticipated to enter the market, a slowdown in permitting activity—potentially linked to tariffs on construction materials—could pose headwinds to future rental supply growth and exert upward pressure on rents.
When evaluating housing options, it’s important to consider both market trends and how long you plan to stay in your next home. The Realtor.com Rent vs. Buy Calculator helps individuals and families compare the costs and benefits of renting versus buying, showing how long it may take before buying becomes the more financially advantageous choice. By providing tailored insights, the tool helps users weigh current and future trade-offs.
Local Market Predictions
All real estate is local, and while the national trends are instructive, what matters most is what’s expected in your local market. See below for a list of the largest metro sales and price growth predictions in 2026.
The Realtor.com model-based forecast uses data on the housing market and overall economy to estimate values for these variables for the year ahead. The forecast result is a projection for annual total home sales increase (total 2026 existing-home sales vs. 2025) and annual median home sales price increase (2026 median existing-home sales price vs. 2025).
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
When it comes to creating a kitchen that feels fresh, inviting, and effortlessly stylish, the countertop color you choose can make all the difference. From warm neutrals to bold, dramatic tones, designers are embracing a wide range of hues that reflect both personality and practicality. With 2026 nearly upon us, countertop trends are shifting toward nature-inspired palettes, tactile finishes, and unexpected color pairings that redefine what “classic” really means. But there are some countertop colors that designers turn to again and again—despite the changing tide of trends—when they’re looking for a fresh, modern, and sophisticated kitchen look.
We spoke to three professional interior designers to find out which countertop colors they consider their favorites for instantly upgrading a space—and their answers surprised us. Find out their top four picks, along with their expert predictions for the next wave of countertop color trends ahead of the new year.
Meet the Expert
Samantha Tostiis an interior designer, and the co-founder of design and woodworking firm Tosti Design.
Reanna Channer is the founder of Design to Elevate, a Seattle-area interior design studio.
Brittny Button is the founder and principal designer of Button Atelier, an interior design firm based in Los Angeles, California.
Black is always a timeless choice for countertops. It’s sleek, sophisticated, and versatile, pairing well with various cabinet colors and design styles. Plus, you can find it in a number of unique materials and finishes. From luxurious black marble and soapstone to more affordable choices like granite or laminate, there’s no shortage of ways to add this sleek countertop color to your kitchen.
Blue-Gray
Blue may not be the first color that comes to mind when you think of countertops, but designers agree it can be a timeless and sophisticated choice. The key, they say, is to choose natural stone slabs with hints of subtle color. Think: blue-gray quartzite (Cielo or Fusion quartzite, for example), slate blue quartz, and marble with subtle blue veining.
If you’re up for something a little more vibrant, interior designer Samantha Tosti says that Azul Do Mar quartzite is another great option as well.
Earthy Greens
Earthy green hues continue to make a splash in the interior design world, and countertops are no exception. Like blue, designers say the key to incorporating green countertops in your space is to use the color sparingly, opting for subtle incorporations. When done right, earthy green hues can act as a neutral in your space, lending subtle yet dramatic color.
Quartzite is repeatedly mentioned by designers as the go-to in organic shades like sage, eucalyptus, and olive. Though it can also function as a neutral, this chic and unexpected color choice can make countertops pop, too—making them a standout feature within your kitchen.
Creamy Beige
White countertops have had their moment, but designers agree that creamy beige and off-white countertops are where it’s at if you’re going for a classic, timeless look. Once again, quartzite comes out as the enduring favorite among all three designers we spoke to, with Taj Mahal quartzite singled out as one of interior designer Reanna Channer’s favorites. “It truly is the chameleon of all countertops,” Channer says. “It’s warm beige tones mixed with soft grays creates a neutral palette that works seamlessly with almost any cabinet color, from rich burgundy to sage green or midnight blue.”
Opt for a honed or leathered finish rather than glossy to bring softness and a sense of grounding to your space.
Budget-Friendly Countertop Upgrades
A complete countertop renovation isn’t always in the budget, and that’s okay. If you’re looking to give your countertops a facelift without replacing them entirely, you have several options. According to design pros, these include refinishing, covering, and restyling. Countertops can be professionally refinished or tackled as a DIY project. For example, micro-resurfacing kits and epoxy overlays are excellent choices for laminate countertops, and professional re-honing can upgrade the finish of existing natural stone countertops.
Alternatively, you can cover your countertops using peel-and-stick adhesives (a good option for renters), tile, or even paint. “There are some incredible faux marble and quartz adhesives on the market. Look for ones where the pattern doesn’t repeat often, as this will trick the eye into thinking it’s real stone,” says Brittny Button, the founder and principal designer of Button Atelier.
Lastly, don’t discount the power of restyling your countertops to give them a fresh look. Ceramics, layered wood cutting boards, greenery, a well-styled tray, or even a small piece of artwork can instantly upgrade even the most dated countertop.
Interior color trends for 2026 are leaning warm, earthy, rich, and moody, and countertop colors are no exception. From warm neutrals to deep earth tones, designers agree that countertops in 2026 will strike a delicate balance between sophisticated and unexpectedly playful.
Green and blue-toned countertops, in particular, are a trend designers say to watch for in the new year. Though these colors have been popular with the world’s top designers for a few years now, we can expect more and more homeowners begin to embrace these earthy countertop colors, too. These grounding, timeless hues will be especially popular for natural stone countertops, such as quartzite. “Green quartzite like ‘Amazon’ has striking white veining and pairs perfectly with lighter woods, such as white oak cabinets,” says Channer.
Texture is another key element of countertop design in 2026. Leathered and soft-honed finishes will replace ultra-glossy finishes, and natural stone with movement and depth will replace flat, one-dimensional countertop materials.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
You can fill your home with sensors that measure things like temperature, humidity, whether you left the garage door open, and who’s at home. Valuable as these are, there’s one sensor that stands head and shoulders above the rest in terms of the amount of money and hassle it can save you.
Best of all, you don’t necessarily need to set up a smart home system if you buy the right one.
Water leak sensors could save you thousands
A water leak in your home can be disastrous, especially if it occurs on an upper level. Water warps flooring, destroys electronics, and finds its way into every nook and cranny. Even if you can dry the place out, you’re looking at weeks of running heaters and dehumidifiers, and potentially moving out of your home in the interim.
That’s where water leak sensors come in. These tiny, battery-powered devices are some of the simplest home sensors you can buy. They typically feature two metallic contacts and are placed directly on a surface beneath a potential leak source. When a leak occurs, water bridges the connection between the two contacts and triggers an alert.
You can fill your home with sensors that measure things like temperature, humidity, whether you left the garage door open, and who’s at home. Valuable as these are, there’s one sensor that stands head and shoulders above the rest in terms of the amount of money and hassle it can save you.
Best of all, you don’t necessarily need to set up a smart home system if you buy the right one.
Water leak sensors could save you thousands
A water leak in your home can be disastrous, especially if it occurs on an upper level. Water warps flooring, destroys electronics, and finds its way into every nook and cranny. Even if you can dry the place out, you’re looking at weeks of running heaters and dehumidifiers, and potentially moving out of your home in the interim.
That’s where water leak sensors come in. These tiny, battery-powered devices are some of the simplest home sensors you can buy. They typically feature two metallic contacts and are placed directly on a surface beneath a potential leak source. When a leak occurs, water bridges the connection between the two contacts and triggers an alert.
This gives you a decent amount of warning to be able to rectify the problem by shutting off the water and fixing the leak. Like any smart home sensor that you place in your house, this gives you a useful trigger to play with that you can build automations around.
While some water leak sensors are pure smart home devices and only send a trigger to your smart home platform of choice, many also include a shrill audible alarm that makes them ideal for anyone who doesn’t yet have a smart home (or is still in the process of building one).
I’ve got three IKEA Badring ($13) water leak sensors in my house (kitchen, bathroom, and garage near the water heater), and I’m probably going to get another to detect roof leaks. They’re powered by a single AAA battery and have a speaker on them.
Don’t just buy them, automate them
Whatever water leak sensors you end up going for, make sure you set them up so that they perform their duty adequately. I use Home Assistant, which won’t necessarily alert you when a water leak sensor detects a leak. You’ll see the dashboard update, but unless you go out of your way to set up an automation then your sensor investment could be for nothing.
You can do this in Home Assistant’s dashboards under Settings > Automation & scenes using the “Create automation” button. Use the “Device” trigger to select your sensor, then use the “became moist” trigger and (if you want) specify a duration (or leave it blank to immediately send the alert).
Conversely, I’ve mirrored my Home Assistant setup to Apple Home, which automatically triggers alerts for me. Apple Home goes as far as sounding a critical alert whenever a leak is detected, which means the notification overrides any Focus modes I’m in and makes an audible alert on my devices.
Once you’ve set up your automation, it’s a good idea to test it out. You can do this by bridging the gap between the two contacts using your fingers or a piece of wet paper towel. Make sure you let other household members know that you’re performing a test!
Got the IKEA Badring sensors? You might have an issue “resetting” them after an alert (I’ve noticed this in Home Assistant and Apple Home). To clear the leak, dry the detector, and then try shorting the sensors again three times in quick succession.
Pair sensors with a shut-off valve for best results
Smart homes are at their best when they’re fully automated systems, which is where automatic shut-off valves come in. By adding one of these to your home, you can trigger an automatic shut-off whenever you detect a water leak. You’ve got a few different models to choose from, like the EcoNet Bulldog Valve Robot ($215), which uses Z-Wave, and the YoLink FlowSmart range, which allows you to pair a sensor directly with the shut-off valve to avoid the middleman.
You can pick between in-line valves and robots designed to turn existing valves. In-line solutions will require a more involved install, whereas robots that turn your existing water shutoff valve are an easier DIY solution. Since these motors need to be strong enough to move a valve, they’ll need to be connected to mains power.
One last tip is to set up some sort of yearly reminder to test your sensors, check battery levels, and replace anything that’s not working as necessary. This goes for all the sensors in your house, especially any you use to trigger a home alarm system.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
Buying a home for the first time can be a rewarding experience. A home is an investment and place for you and your family to call your own. There are many steps involved in purchasing a home. Before you fall in love with a property or contact a real estate agent, it is important to make sure your finances are in order. To help your home purchase go smoothly, you should know where you stand financially. To help you assess your financial fitness for your home purchase, consider the following:
Check your credit score. An important first step is checking your credit score. Your score will help you determine the financing options available to you and your score will impact your mortgage terms. Lenders check credit scores to determine if a borrower has a record of on-time payments to gauge the likelihood of repaying the mortgage. The higher your credit score, the more financing options and lower interest rates will be available to you.
Set a realistic budget. How much house can I afford is one of the first questions first-time home buyers ask themselves. Experts say that your total monthly home expenses should not exceed more than one-third of your gross monthly income. As you prepare a budget, make sure to include your estimated housing costs and down payment. Your estimated housing costs should not only include your mortgage payment but also other factors such as your estimated annual property taxes, home insurance and loan terms (how long you would like to pay off your mortgage).
Shop around for a mortgage rate. To secure the best financing deal for your new home, make sure to shop around for a home loan. Comparing costs may save you a significant amount of money in the long run. If you need assistance, a mortgage lender can help provide guidance on the various loan options available. There are several types of mortgages available, including FHA, conventional, adjustable rate, and fixed rate. You’ll need to learn more about each mortgage to figure out which option works best for you.
Know your down payment options. The longstanding first-time home buyer myth is that you need a 20-percent down payment to purchase a home. There are several loan programs and options available to allow buyers to move forward with purchasing a home with a smaller down payment. Determining how much you should put down is a personal decision based on your financial status.
Get pre-qualified or pre-approved for a mortgage. While the terms seem interchangeable, they vary in terms of purchasing a home. If you get pre-qualified for a home, you’ll learn how much money you will be able to borrow based on your financial profile, which includes a credit check. When you pre-qualify, you learn more about your financial readiness and will get an introduction to the mortgage options available to you. To get pre-approved for a mortgage, you provide more details about your financial status to a lender as well as a credit check. After the lender verifies your information, you will receive a letter of the amount and type of mortgage available to you. In a competitive real estate market, a pre-approval letter shows sellers and real estate agents that you are a serious buyer ready to make an offer on a home.
Got Questions? The Caton Team is here to help.
Cell| Sabrina 650.799.4333 |Susan 650.796.0654 | EMAIL | WEB| BLOG
We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out for a personal consultation. Please enjoy our free resources below and get to know our team from our TESTIMONIALS.
Effective. Efficient. Responsive. The Caton Team 🏡
Got Real Estate Questions? The Caton Team is here to help.
We strive to be more than just Realtors – we are also your home resource. If you have any real estate questions, concerns, need a referral, or some guidance – we are here for you. Contact us at your convenience – we are but a call, text, or click away!
The Caton Team believes, in order to be successful in the San Francisco | Peninsula | Bay Area | Silicon Valley Real Estate Market, we have to think and act differently. We do this by positioning our clients in the strongest light, representing them with the utmost integrity, while strategically maneuvering through negotiations and contracts. Together we make dreams come true.
A mother and daughter-in-law team with over 35 years of combined local Real Estate experience and knowledge – wouldn’t you like The Caton Team to represent you? Let us know how we can be of service. Contact us any time.
Cell | Sabrina 650.799.4333 | Susan 650.796.0654 | EMAIL | WEB| BLOG
The Caton Team – Susan & Sabrina A Family of Realtors Effective. Efficient. Responsive. What can we do for you?
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The Real Estate Beat 
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