The San Diego housing market continues to evolve, and one of the most notable changes heading into 2026 is the growing divide between attached homes (condos and townhomes) and detached properties.
Condos Are Taking Longer to Sell
According to the latest data, condominiums are taking significantly longer to sell than detached homes.
The expected market time for attached homes has stretched to 119 days, compared to 88 days for detached homes, a full month longer.
This shift has been driven largely by:
- Rising HOA fees that increase monthly ownership costs
- Higher insurance costs impacting affordability
- Reserve shortfalls raising concerns about future special assessments
- Stricter lending requirements making financing more difficult
All of these factors have reduced buyer demand for condos.
The Affordability Gap Is Narrowing
While condo prices remain lower than detached homes, the total cost of ownership has narrowed that affordability gap considerably.
Higher monthly HOA dues and financing hurdles have made buyers more cautious, slowing demand even as inventory continues to rise.
This creates a challenging environment for condo sellers who may have expected faster sales based on lower price points alone.
Detached Homes Remain More Resilient
Detached homes, on the other hand, remain more resilient in the current market.
Demand has held steadier, and buyers continue to prioritize:
- Flexibility: more control over property decisions
- Lower long-term fees: no HOA or significantly lower dues
- Fewer lending complications: easier financing approval
What This Means for Buyers and Sellers
As we move into 2026, this data reinforces an important takeaway:
Pricing strategy, property type, and preparation matter more than ever.
Sellers, especially condo owners, need to be strategic, realistic, and well-advised to succeed in this shifting market.
If you're considering buying or selling, understanding these market dynamics early can make a meaningful difference in timing, value, and outcomes.
Source: Reports on Housing – San Diego County Housing Report, "Hot to Not: The Condo Shift," by Steven Thomas
Need Expert Guidance in This Market?
Whether you're buying or selling, Shirin can help you navigate these market shifts with confidence.
