Bay Area Housing Market – The Real Estate Beat

The Stats are In… Market Snapshot for November 2025

Hello Caton Team Friends,

The stats are in for November 2025. We are seeing the normal pre-holiday activity or lack there of. Affordability is still an issue here, the interest rates haven’t moved enough to make any headway. The luxury end is holding up – but our more affordable price points are feeling it. With the cost of living on the rise I am curious what 2026 will bring. What are your thoughts?

For my selling clients, life changes everyday and if you need to sell your home – let’s come up with a strategy to get you sold! Even in an odd market The Caton Team can help you strategically sell your home.

For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.

If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 45+ years of combined Real Estate experience, we have the knowledge and know-how to guide you to your goal. Call us at 650.799.4333 or email us at info@TheCatonTeam.com.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Each market is unique and with over 40 years of combined Real Estate experience, The Caton Team is more than happy to be of service if and when you are considering a move. Contact us anytime during your journey, together we’ll help you achieve your Real Estate goals.

Got Questions? The Caton Team is here to help.

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 TESTIMONIALS.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

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 need 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.

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.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

NAR Members Sound the Alarm on the Effects of the Government Shutdown – Shared Article

I read this article HERE.

Responses from more than 600 real estate professionals describe the negative effects of closing crucial housing, loan and insurance programs offered through FHA, HUD, VA and NFIP.

On Oct. 22, a few weeks into the federal government shutdown, the National Association of REALTORS® issued a Call For Information to its full membership to take the pulse on the ramifications for real estate professionals and their clients.

Unlike a traditional Call For Action (CFA), which prompts members to simply click and send a message to their members of Congress, this request invited NAR members to share their own stories about how the government shutdown was impacting their clients, businesses and communities.

“What’s at stake for housing and homeownership nationwide is important for Americans to thrive and step into their dreams,” wrote one member. “Our government must reopen for the people.”

The response rate was remarkable: 641 members from all 50 states, Washington, D.C., and Puerto Rico submitted firsthand accounts, representing 386 local associations—about 35% of all associations nationwide. While engagement metrics differ from a one-click CFA, the volume and depth of these NAR member responses underscored the power of REALTORS® as trusted messengers on the front lines of the housing market.

The Call For Information shows:

35.6% of stories mention one of more federal housing programs, like the Federal Housing Administration (FHA), U.S. Department of Housing & Urban Development (HUD), Internal Revenue Service (IRS), National Flood Insurance Program (NFIP), U.S. Department of Agriculture (USDA), and U.S. Department of Veterans Affairs (VA).
The most frequently cited impacts were USDA, VA, NFIP/Flood Insurance and FHA.
There were over 60 stories highlighting hardship, family strain, or the domino effects of delayed transactions.
259 unique associations were represented in responses (approximately 24% of local boards)

Collapsing Deals, Low Morale

Perhaps unsurprisingly, most responses were from high-population states including Florida, Texas and California.

One North Carolina agent, who is a REALTOR®, explained that home sales are being delayed due to holdups in NFIP flood insurance renewals and USDA loan approvals, two essential programs for the state’s coastal and rural areas. In some North Carolina communities, almost every financed home purchase relies on one or both of these federal services. As a result, deals are collapsing, and families are losing the homes they’ve worked tirelessly to obtain.

The effects extend well beyond the housing market: Many North Carolinians, including military families and federal employees, are struggling to afford basic necessities, while local small businesses that depend on their spending are seeing steep drops in revenue. “The financial strain is real, the morale is low, and the longer this continues, the harder recovery will be for working families and small businesses alike,” the member reported.

Many other members reported similar experiences, with clients often feeling uncertain about the real estate market and experiencing a lack of consumer confidence. This uncertainty frequently led to stalled transactions, disrupting multiple deals, and affecting buyers, sellers, agents, lenders and contractors alike.

‘A Train Wreck’ for Escrows, Military Families and Local Businesses

“As a REALTOR®, I am seeing firsthand how the federal government shutdown is disrupting the housing market,” one member in California said. “As a NAR member, I want to help illustrate the real impacts the shutdown has had on my business, clients and community—such as delayed FHA, VA or conventional loans, especially without access to government flood insurance. Military families are being stifled by this shutdown, with delayed loans and added strain to their finances. This is a deterrent for our military service members who give their lives willingly to serve this country. Sellers are unsure about proceeding due to market volatility and concerns about affordability. So many buyers are being impacted as the buyer pool has diminished.”

The member continued: “Additionally, in California, obtaining flood insurance has become a major problem, so having sources available from the government has allowed us to close our escrows. However, without these options, due to the shutdown, it’s a train wreck for our escrows leaving us with delays and obstacles to struggle to get our escrows closed.”

Chipping Away at the Foundation

The shutdown may be centered in Washington, but its costs are being paid in every community across America.

“The National Association of REALTORS® urges Congress to come together and pass a clean, bipartisan continuing resolution or a long-term funding package to restore stability to the housing market and the broader economy. Every day that passes without action chips away at the foundation of the American Dream,” says Shannon McGahn, NAR executive vice president and chief advocacy officer.

Michael Rauber

Michael Rauber is manager of advocacy communications at the National Association of REALTORS®.

Content by Michael Rauber

Got Questions? The Caton Team is here to help.

Effective. Efficient. Responsive. The Caton Team 🏡

How Can The Caton Team Help You?

Get exclusive inside access when you follow us on Facebook & Instagram

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.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties, Redwood City Ca.

DRE # | Sabrina 01413526 | Susan 01238225 | Team 70000218 | Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for Sept & Oct 2025

Hello Caton Team Friends,

The stats are in for September and October 2025. Where September showed some price adjustments down in the single family home sector – for October we are seeing growth. That dip in interest rates sure helped. Going from around 7% to 6% and then some down to the 5% level, gave buyers some breathing room and opportunity to act.

I still feel this year has been an odd year. Condo markets took a hit with many taking care of maintenance and safety issues that tapped into their reserves and bringing them down. Some fell off the “good” list and we hope to see those condos come back in full force as the condo market is so important for first time buyers.

For my selling clients, lives change everyday and if you need to sell your home – let’s come up with a strategy to get you sold! Even in a weird market The Caton Team can help you strategically sell your home.

For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for August 2025

Hello Caton Team Friends,

The stats are in for August 2025. We are seeing a slight price adjustment in San Mateo County for Single Family Homes but the rest of the Bay is seeing growth. Feels like the Summer Selling Season is starting late but it’s starting.

For my selling clients, lives change everyday and if you need to sell your home – let’s come up with a strategy to get you sold!

For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.

If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 40 years of combined Real Estate experience, we have the knowledge and know-how to guide you to your goal. Call us at 650.799.4333 or email us at info@TheCatonTeam.com.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for July 2025

Hello Caton Team Friends,

The stats are in for July 2025. The last 30 days reflect a softening of the market with values adjusting down. This is part of the normal summer slowdown as folks are off on vacation before summer ends. However, this whole year hits different from the year past. Job changes, market insecurity, and tariffs have many people on the fence about their next move, and who can blame them? However, in my gut, I know this: if you want to live and stay in the Bay Area, the best time to buy is during a weird market. Why, you ask? Well, in our “normal” market, which is characterized by low inventory and high demand, most buyers face multiple offers and often experience huge overbidding. When the market is weird, when other buyers are on the fence, we see opportunity. A home can only be sold once, so when multiple bids are the norm, folks get priced out pretty quickly. This year, not a day goes by that I don’t see a price adjustment down, meaning there is a gap between what sellers want/expect and what buyers can afford. Those interest rates changed things.

Now is a great time to buy – even sell. Not every property has a price adjustment. We sold a 100+ year home this year, over list price with multiple offers.

For my buyers, some homes are garnering multiple offers, but some are overlooked. With a little legwork, a buyer can truly find some great opportunities when they align with the market.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

GET READY CAPITAL. A great loan option for sellers to help prepare their home for sale – Ask The Caton Team How!

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Check out the loan calculator to see the interest rate, origination fees and cost of your plans >>> HERE.

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Got Questions? The Caton Team is here to help.

We love what we do and would love to help you navigate your sale or purchase of Residential Real Estate. Please reach out at your convenience for a personal consultation. Please enjoy our free resources below and get to know our team through our clients’ words>>>Testimonials.

HOW TO SELL | HOW TO BUY

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HOW TO SELL – – HOW TO BUY – MOVING MID PANDEMIC – TRUST AGREEMENTS and HEALTH CARE DIRECTIVES – OUR TESTIMONIALS

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!

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.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Want Real Estate Info on the Go? Download our FREE Real Estate App: Mobile Real Estate by The Caton Team

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third party information not verified.

The Stats are In… Market Snapshot for June 2025

Hello Caton Team Friends,

The stats are in for June 2025. What I see is price sensitivity. There is a lot of inventory on the market compared to years past, there is change in the air and it reflects in sales. We see some homes fetch multiple offers and sell over list price, but not crazy over. We also see some homes sitting and taking price reductions to attract offers. This year just feels different from the past 21 summers I’ve been in Real Estate. But that is not necessarily a bad thing. When the market is different that often is a great time to buy. All depends on where, when and the budget. So…. If you’re considering a Real Estate move, contact The Caton Team for a free consultation. With over 40 years of combined Real Estate experience, we have the knowledge and know-how to guide you to your goal. Call us at 650.799.4333 or email us at info@TheCatonTeam.com.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for May 2025

Hello Caton Team Friends,

The stats are in for May 2025. In San Mateo County, there are gains in the Single Family Sector and Condo Market. List prices went up and so did the sale price. Though Condo took a slight dip – and I’ll lean on the HOA dues as a possible reason – or the any deck/balcony assessments. Looks like the luxury condo market took a dip list price – so that’s marketing you can see they sold at +6.81%.

In Santa Clara County, we see dips across the board with luxury sales holding tight. The news has reported an exodus in California but I’m seeing this more as an adjustment.

In the Bay Area, we still have demand thought right now there are many homes on the market in each county and some are sitting while some are selling within that two week window, with multiple offers. Each home and each client is unique. So if you’re thinking of buying or selling – reach out for a personal, free consultation. We love what we do and we’re happy to be of service.

Let’s see our month over month…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for April 2025

Hello Caton Team Friends, The stats are in for April 2025.

In San Mateo County, there are gains in the condo/townhome sector – even with the balcony repair rules. I suspect affordability is driving this market. Single-family homes took a slight dip – but I am not reading much into this. As we ease into the Spring Market, I expect the market will pick up.

In Santa Clara County, we see dips across the board. A slow start if you will. One cannot ignore the dips in the stock market and how that ties with long term goals. Often investments are used as down payments and when the market adjusts, plans change.

In the Bay Area, we still have more home buyers than homes for sale – so they will find that middle ground. I look forward to seeing where it goes and how we can help our clients achieve their goals.

Let’s see our year over year…

How can The Caton Team Help You?

Contact The Caton Team 650.799.4333 | Email Info@TheCatonTeam.com

Whether you are selling or buying – today or tomorrow – contact The Caton Team – we’re happy to help you achieve your Real Estate goals.

Effective. Efficient. Responsive. The Caton Team 🏡

Got Questions? The Caton Team is here to help.

RECENTLY SOLD by THE CATON TEAM

Homes Sold by The Caton Team | Helping Our Buyers Find Their Way Home

Get exclusive inside access when you follow us on Facebook & Instagram

Got Real Estate Questions? The Caton Team is here to help.

The Caton Team – Susan & Sabrina
A Family of Realtors
Effective. Efficient. Responsive.
What can we do for you?

Berkshire Hathaway HomeServices – Drysdale Properties

DRE # |Sabrina 01413526 | Susan 01238225 | Team 70000218 |Office 01499008

The Caton Team does not receive compensation for any posts. Information is deemed reliable but not guaranteed. Third-party information not verified.

The Stats are In… Market Snapshot for March 2025

Hello Caton Team Friends,

The stats are in for March 2025. This Spring Market feels different. We see home prices dip and condo prices rise – though in real time (end of April) I see the opposite. There are some price reductions across the board but offer dates are set and we are seeing multiple offers and slight overbidding on well priced homes. Remember, the list price is a marketing tool and adjusting it does get new eyes on the property. So if you see a price reduction on a home you like – act – better yet – let me know what homes you like and these days, without an offer date – you may be able to offer without overbidding. Each home and client is a unique experience – so let the Caton Team be of service.

If you’re considering a real estate move, contact The Caton Team for a free consultation. With over 40 years of combined real estate experience, we have the knowledge and know how to guide you to your goal. Call us at 650.799.4333 or email us at info@TheCatonTeam.com.