The San Francisco Bay Area's median price for an existing single-family home was $1,325,000 in September 2026, according to the California Association of real estate agents report released October 19. That was up 4.2 percent from $1,272,000 in August and up 1.9 percent from $1,300,000 in September 2025. The Bay Area was the only one of C.A.R.'s five major regions with a month-over-month price increase.Bay Area closed sales rose 4.9 percent from August and fell 3.1 percent from a year earlier. The region's Unsold Inventory Index was 2.6 months, the same as August and down from 2.8 months in September 2025. Median time on market was 19 days, compared with 22 days in August and 24 days a year earlier.Regional figures from C.A.R., "September home sales and price report," October 19, 2026. Regional and county sales are not seasonally adjusted.C.A.R.'s September medians for the nine Bay Area counties, with the change from August, the change from September 2025, and median days on market:San Mateo: $2,327,500, up 3.4 percent from August, up 8.3 percent from a year earlier, 11 daysSan Francisco: $2,054,000, up 9.5 percent, up 17.4 percent, 21 daysSanta Clara: $1,920,000, up 1.1 percent, down 4.0 percent, 11 daysMarin: $1,678,750, up 1.7 percent, up 1.7 percent, 56.5 daysAlameda: $1,265,000, down 1.6 percent, up 1.2 percent, 13 daysNapa: $918,000, down 3.1 percent, up 2.0 percent, 69 daysSonoma: $875,000, up 10.8 percent, up 10.1 percent, 61 daysContra Costa: $870,000, down 0.6 percent, up 0.1 percent, 19 daysSolano: $580,000, up 0.9 percent, down 4.6 percent, 48 daysMarin, San Francisco and Santa Clara sold more homes than in September 2025, up 11.1, 6.2 and 1.5 percent. Sales fell in the other six, with the largest decline in Napa at 16.0 percent and San Mateo down 8.6 percent.San Francisco had the lowest Unsold Inventory Index in the region at 1.6 months, up from 1.3 in August and down from 2.0 a year earlier. Marin's index fell to 2.2 months from 2.7 in August and 3.4 in September 2025. C.A.R. said Marin's active listings were down 32.1 percent from a year earlier, the steepest decline in the state alongside Trinity County. Santa Clara's index was 2.1 months, unchanged from August and up from 1.8 a year earlier. Its active listings were up 26.4 percent year over year, the third-largest increase among the counties C.A.R. tracks. Napa's index was the highest in the Bay Area at 8.5 months.County figures from the C.A.R. September 2026 county price, sales, Unsold Inventory Index and time-on-market tables.The statewide median was $899,720, up 1.7 percent from a year earlier and $425,280 below the Bay Area figure. Statewide sales ran at a seasonally adjusted annual rate of 260,410, down 6.5 percent from September 2025, and the statewide sale-to-list ratio was 98.8 percent. Statewide figures from the same C.A.R. release.C.A.R. calculated that the 30-year fixed rate averaged 6.86 percent in September, up from 6.67 percent in August and 6.35 percent in September 2025. Freddie Mac's weekly survey put it at 7.40 percent for the week of October 15, 2026, unchanged from the prior week and up from 6.27 percent a year earlier. On a 30-year loan of $1,060,000, which is 80 percent of the Bay Area median, principal and interest comes to about $6,953 a month at 6.86 percent and about $7,339 at 7.40 percent, a difference of about $386. The Freddie Mac survey covers conforming loans with 20 percent down, so quotes on larger loans can differ.Rates from C.A.R. and Freddie Mac PMMS, October 15, 2026. Payment math by Golden Gate Luxury.Michael Williams is a Bay Area agent with Golden Gate Luxury (Turbohome Inc). Seventeen years in, more than $250M closed, formerly #1 at Flyhomes and Aalto, DRE #01780513. Golden Gate Luxury is not affiliated with Golden Gate Sotheby's.General market information only. Nothing here is legal, tax, or financial advice. Market statistics are revised as late sales report; verify current MLS data and loan quotes before acting on any of it.
Michael Williams
Luxury Specialist
Area served: Sausalito, Marin County, CA, Menlo Park, CA, San Francisco, CA
Expertise: First-Time Buyer, Luxury, Zoning Knowledge