January 2026 monthly avg: Sacramento bottom tier $275,824; luxury $1,786,551.
Sacramento tiers: starter $436,734; mid $578,443; high $799,461.
Nationwide tiers: bottom $125,384; starter $260,000; mid $375,000; high $581,000; luxury $1,341,493.
2025 hit record highs; prices rose and mortgage rates stayed far above pandemic-era lows, slowing the market.
Economists predict affordability will begin improving in 2026 and beyond.
