San Clemente Housing Market Update — Wednesday, October 14, 2026

October 14, 2026
Russell Walsh Realty
WEEKLY RESIDENTIAL MARKET SNAPSHOT
SAN CLEMENTE

San ClementeHousing Market Update

Wednesday, October 14, 2026

San Clemente’s citywide median sale price stands at $2.09 million for September (county records, 54 recorded closings as of Sep 29) — with 206 homes for sale right now and the 30-year fixed at 7.40% for the week ending October 8.

Median $ Sold
$2.09M
Sep 2026 · county records
Realty.com · Sep 2026
Asking Trend
$2.295M
median list price
RealtyHop · live
Active Inventory
206
homes for sale
RealtyHop · live
Market Time
34 days
median DOM · homes sold
Redfin · 3 mo. to Sep 2026
Sale-to-List
100.0%
of asking
Realty.com · Sep 2026
30-Year Fixed
7.40%
+1.10 pt YoY
Freddie Mac · Oct 8

Quick read: San Clemente’s median sold about $2.09M (September county records, 54 sales), 206 homes for sale right now — with the 30-year fixed at 7.40%.

Hero photo: San Clemente Pier

The September price picture

September county records now cover 54 recorded sales, and live asking prices sit just above recent closings — a narrow list-versus-sold gap.

All-home median sale price

$2,087,500
September 2026 · county records (54 recorded sales, as of Sep 29)

The September county-records read now covers 54 recorded sales at a $2,087,500 median, up from 35 sales in the October 7 edition — more late-September recordings have come in. The typical sale range ran $1,581,250–$2,802,500 at $819 per square foot, and 33.3% of buyers paid cash. In the same release, MLS logged 53 September sales closing at 100.0% of asking, as of Sep 30.

Source: Realty.com (county records), September 2026 as of Sep 29 — extracted Oct 14, 2026.

Live asking prices

$2,295,000
Median list price · live

206 residential homes currently for sale: 127 houses, 64 condos, 1 townhouse, 14 multifamily. Asking inventory refreshes hourly; listings range from $1,377,500 in the lower quartile to $3,446,250 in the upper quartile at $852 per square foot.

Source: RealtyHop (live) — extracted Oct 14, 2026.

Price per square foot

$819
September 2026 · Realty.com, county records

The median sold price worked out to $819 per square foot across September's 54 county-recorded sales.

Source: Realty.com (county records), September 2026 as of Sep 29 — extracted Oct 14, 2026.

Sale-to-list

100.0%
September 2026 · Realty.com, MLS (53 sales, as of Sep 30)

September MLS sales closed at 100.0% of asking price — sales here are closing essentially at asking.

Source: Realty.com (MLS), September 2026 as of Sep 30 — extracted Oct 14, 2026.

Market time — from Redfin this week

Realty.com’s September release did not include a median days-on-market read, so this week’s market-time figure comes from the next source in our chain: Redfin’s median for homes sold over the three months ending September 2026 — a longer window than the single-month September price figures.

Median days on market34 daysRedfin, homes sold — 3 months ending Sep 2026
Other snapshot50 daysRealtyHop average, current listings, as of Oct 14 (not a median)
Active inventory206RealtyHop live count, refreshed hourly

Sources: Redfin (median days on market, 3 months ending Sep 2026), Realty.com and RealtyHop.

How the 206 break down

Live asking inventory spans detached houses, condos, townhouses and a small multifamily slice — the segments buyers actually shop.

Houses for sale

127
of 206 live listings

Detached houses make up the largest share of the 206 live listings.

Source: RealtyHop (live) — extracted Oct 14, 2026.

Condos, townhouses and multifamily

79
of 206 live listings · 64 condos, 1 townhouse, 14 multifamily

Attached and multifamily homes round out current asking inventory beyond the 127 detached houses.

Source: RealtyHop (live) — extracted Oct 14, 2026.

7.40%
30-year fixed average
Week ending October 8, 2026

Rates are the pressure point

The 30-year fixed rate rose 12 basis points from 7.28% the prior week and stood 110 basis points above 6.30% a year earlier. The 15-year fixed averaged 6.73%, up from 6.60% the prior week and 5.53% a year ago. “As market conditions continue to evolve, borrowers should remember that shopping around for a mortgage rate and getting multiple quotes can potentially save them thousands over the loan’s lifetime,” Freddie Mac said in its weekly release.

Borrowing costs at 7.40% are slowing urgency. That does not make every home negotiable, but it rewards buyers who compare condition, days on market and seller motivation carefully.

Source: Freddie Mac Primary Mortgage Market Survey, weekly averages as of October 8, 2026 (released Oct 8, 12 p.m. ET; re-checked Oct 14, 2026).

National context

San Clemente’s September read sits inside a broader market where bond yields pushed borrowing costs higher and investors watch jobs and inflation data for the Federal Reserve’s next move.

  • 5.21%10-year Treasury par yield on Oct 13 (U.S. Treasury daily yield curve), down from 5.24% on Oct 9 — mortgage rates follow bond yields.
  • 29,000Jobs added in the September employment report (released Oct 2), with unemployment at 4.2% — Reuters reported the slowdown nearly took another Fed rate hike this month off the table.
  • Thursday, Oct 15The next Freddie Mac weekly average is due — the latest 7.40% extended the 30-year’s climb.

Sources: U.S. Treasury daily par yield curve, Oct 13, 2026 (extracted Oct 14, 2026); Reuters coverage of the BLS September jobs report, Oct 2, 2026 — extracted Oct 5, 2026.

How to read these figures

Realty.com’s September 2026 county-records median ($2,087,500, 54 recorded sales as of Sep 29) is the freshest monthly closed-sale figure; it replaces the $2,125,000 read on 35 sales (as of Sep 22) in the October 7 edition as more September recordings came in. Median days on market was not published in Realty.com’s September release, so it comes from the next source in the fallback chain: Redfin reports a 34-day median for homes sold over the three months ending September 2026 (Redfin calculations from MLS and/or public records; 71 days a year earlier) — a different source and a longer window than the single-month September price figures, and a newer window than the 32-day figure (3 months ending August) in the October 7 edition. RealtyHop’s 50-day figure (as of Oct 14) is an average for current listings, not a median for closings. Active-inventory counts vary by source and methodology: RealtyHop’s live residential count showed 206 (127 houses, 64 condos, 1 townhouse, 14 multifamily), refreshed hourly, while Realty.com’s MLS snapshot (as of Sep 27) showed 120 homes for sale at a $2,297,500 median list price. MLS sales closed at 100.0% of asking in September (53 sales as of Sep 30), with 33.3% of county-recorded buyers paying cash. Redfin is used only for median days on market; its city page was checked on Oct 14, 2026.

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Russell Walsh

Russell Walsh, Russell Walsh Realty — South Orange County real estate.

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