Published October 18, 2026 in Market Update

The tightest part of this market is still moving fast

Freddie Mac put the 30-year fixed rate at 7.40% as of October 15, 2026. That is the context for everything below. Rates this high slow many markets. But one part of this market is not slowing much at all.

The tightest ZIP code: 92691

"How fast are homes actually selling near me?" That is the question I hear most right now. In ZIP 92691, the Real Estate Data Aggregator counted 2.1 months of supply for the three months ending August 31, 2026. That is the lowest in this market. Less supply means fewer choices for buyers and more attention on each well-priced home.

The Real Estate Data Aggregator also counted 39 median days on market in 92691 for that same period. That is 3 days shorter than the same months of 2025. Homes here are not sitting.

Think of this like a "sold out" signal. The Real Estate Data Aggregator found that 39.2% of homes in 92691 went under contract within two weeks of listing. That share rose 6.7 points from a year before. For homeowners, tight supply like this can support strong attention when pricing is sharp. For buyers, there is less room to wait.

Two more ZIP codes with low supply

ZIP 92692 and ZIP 92780 are also running lean. The Real Estate Data Aggregator counted 2.2 months of supply in each for the three months ending August 31, 2026.

In ZIP 92780, the Real Estate Data Aggregator found 39.7% of homes went under contract within two weeks. That is the highest two-week rate in this market. Supply there fell 0.5 months from a year before. In ZIP 92692, 36.3% of homes went under contract within two weeks, up 11.1 points from a year before.

How the tightest ZIPs compare on speed

The wider picture: rates and national supply

Freddie Mac reported that the 30-year fixed rate averaged 7.40% as of October 15, 2026. The National Association of Realtors counted 1.60 million homes for sale nationally in September 2026. Realtor.com reported that for-sale listings nationally were growing nearly 7% year over year for the week ending October 10, 2026. This market's tightest ZIP codes are moving against that national trend.

The National Association of Realtors also reported that existing-home prices nationally were up 1.3% in September 2026. In ZIP 92691, the Real Estate Data Aggregator counted a median sale price of $1,330,000, up 4.5% from the same period a year before. Not every ZIP here matched that. ZIP 92692 saw its median dip 0.9% to $1,090,000, per the Real Estate Data Aggregator. Prices are not uniform across this market.

Where supply is looser

Not every part of this market is tight. The Real Estate Data Aggregator counted 4.9 months of supply in ZIP 92602 and 4.9 months in ZIP 92624 for the three months ending August 31, 2026. ZIP 92637 had 4.6 months. In 92637, median days on market was 66 days, up 6 days from a year before. That is a different story from 92691.

ZIP 92637 also had 234 homes for sale, up 21.9% from a year before, per the Real Estate Data Aggregator. More choices for buyers in that ZIP, but homes are taking longer to sell. That is a small, honest admission: this market is not moving the same way everywhere.

One bright spot in a higher-priced ZIP

ZIP 92629 had a median sale price of $1,915,500 for the three months ending August 31, 2026, per the Real Estate Data Aggregator. That is up 4.4% from a year before. Days on market fell 14 days shorter than a year before, to 42 days. Supply dropped 0.9 months to 2.7 months. The sale-to-list ratio rose 2.1 points to 98.8%. Sellers there are getting closer to their asking price.

What this means for you, as of October 18, 2026

The data above covers the three months ending August 31, 2026. Read those numbers with that period in mind. Rates have moved since then: Freddie Mac put the 30-year fixed at 7.40% as of October 15, 2026.

For homeowners: tight supply in 92691, 92692 and 92780 can support strong attention on a well-priced home. For buyers: the fastest parts of this market are moving quickly, and waiting may mean fewer choices. For everyone: one street can read very differently from the whole ZIP code.