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Tucson Housing Market: Trends & Prices


Tucson Housing Market: Trends & Prices (2025)

On this page:

    Tucson Real Estate Market Overview

    By Robin Rothstein

    (Last Updated – 04/2025)

    Over a half a million people call Tucson home, according to the latest census data, and it’s easy to see why. Between stunning mountain views, dreamy desert skies, and sunsets worthy of a postcard, this Arizona city has no shortage of remarkable scenery.

    Tucson offers more perks than just good views. Despite having such a large population, the average commute takes less than 25 minutes. The summers are dry instead of humid, the winters are mild, and the city is a melting pot of cultures, traditions, and religions.

    When it comes to the Tucson real estate market, homebuyers looking for big-city affordability are in luck. The typical Tucson home price of $324,500 is lower than the national median of $424,810.

    Nonetheless, local real estate pros say that some aspiring Tucson homeowners are finding it hard to keep up with increasing housing prices. Given that Tucson has a median household income of $55,708, it’s understandable how the city might be out of reach for some buyers.

    The overall cost of living in Tucson is also higher than some other metro areas in Arizona and is roughly 15% above the national average, but it’s lower than other U.S. metro areas such as San Diego, Portland, and Seattle.

    Keep reading to learn more about home ownership in the Tucson housing market.


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    $324,500

    Median Sale Price

    $213

    Median Price Per Square Foot

    73 days

    Median Time on Market

    Tucson Housing Market Forecast

    Tucson home prices were down 0.67% in 2025 compared to last year. Despite the decrease, real estate experts predict that the Tucson housing market will see positive growth into next year. The main reason for this? Strong demand and limited housing options.

    Many who live in expensive Western cities see Tucson as more affordable. Buying a home in Tucson is a more viable option for people who are looking for a balance of affordable housing and quality of life.

    Housing market forecast chart

    *Graph taken from Zillow as of 04/2025

    Demographics of the Tucson Market

    Tucson has a quaint sound to it, but this Southwestern town is a sprawling metro area that offers more than meets the eye. The city attracts a mix of young professionals, retirees, and students, thanks to the presence of the University of Arizona and a relatively low cost of living. There are also a variety of vibrant, fun neighborhoods to live in.

    Before making a big move, consider these fast facts about the Tucson real estate market that shed light on more than just home prices.

    Median Household Income: $55,708

    Median Age: 35.6

    College Educated: 31.3%

    Homeowners: 53%

    Married: 38%

    Armory Park

    Armory Park is a Tucson neighborhood with a rich military history. Many of the area’s historic resources have been updated. For example, the original Carnegie Library is now home to the Tucson Children’s Museum.

    Other community-focused amenities include the Armory Senior Center, which hosts activities and provides social services for seniors.

    Recommended: Price-to-Rent Ratio in 50 Cities



    Quick Facts

    Population:

    5,205

    Median Age:

    38.5

    Housing Units:

    3,619

    Bike Score:

    99/100

    Walk Score:

    76/100

    Transit Score:

    64/100

    Median Household Income:

    $75,478

    Armory Park Housing Market

    The real estate market in Armory Park is considered somewhat competitive, though home values did drop by 19% in February 2025 compared to a year ago in this area. On average, homes for sale spend around 50 days on the market.

    Homes in the Armory Park neighborhood typically sell for 3% below list price, so there may be opportunities to negotiate.


    Median Sale Price

    $441,500

    Median Price Per Square Ft.

    $375


    Pie Allen

    Pie Allen is a historic and vibrant neighborhood in Tucson, Arizona, located just west of the University of Arizona. Known for its mix of student housing, historic homes, and local businesses, Pie Allen offers a unique blend of old and new. The neighborhood is named after John Brackett “Pie” Allen, a 19th-century entrepreneur famous for selling dried apple pies to soldiers and settlers.

    The area features walkable streets, eclectic shops, and a lively atmosphere, making it popular among students, young professionals, and long-time residents.



    Quick Facts

    Population:

    1,042

    Median Age:

    31.9

    Housing Units:

    653

    Bike Score:

    99/100

    Walk Score:

    85/100

    Transit Score:

    66/100

    Median Household Income:

    $39,871

    Pie Allen Housing Market

    Redfin shows homes in Pie Allen staying on the market for 84 days and selling at 3.2% below list price. This could indicate that prices have hit a ceiling in this area.


    Median Sale Price

    $480,000

    Median Price Per Square Ft.

    $414


    Sam Hughes

    The neighborhood of Sam Hughes can be found slightly east of the esteemed University of Arizona. Some residents consider this neighborhood to be perfectly planned because of its access to a public library, swimming pool, park, and tennis courts.

    Popular Third Street is an easy spot for locals to bike to, thanks to a dedicated bike route. This attractive area is also known for featuring more than a dozen architectural styles.



    Quick Facts

    Population:

    5,263

    Median Age:

    30

    Housing Units:

    2,305

    Bike Score:

    97/100

    Walk Score:

    76/100

    Transit Score:

    45/100

    Median Household Income:

    $60,544

    Sam Hughes Housing Market

    The Sam Hughes housing market is somewhat competitive, with some homes on the market receiving multiple offers and selling in about 48 days.

    Housing prices here were down 2.2% in February 2025 compared with a year ago, and homes in this area typically sell for around 3% below list price.


    Median Sale Price

    $511,800

    Median Price Per Square Ft.

    $276


    Rita Ranch

    Rita Ranch is a suburban neighborhood in southeast Tucson, known for its family-friendly atmosphere, top-rated schools, and proximity to major employers like Raytheon Technologies. The area features well-maintained single-family homes, newer developments, and affordable housing options compared to other parts of the city.

    Rumor has it that Rita Ranch was named after Rita Hayworth. In 1951, Hollywood legend Howard Hughes bought 20,000 acres of Tucson land to build Hughes Missile Systems. After setting up a ranch home on this land, the story goes that Hughes named the ranch after Hayworth.



    Quick Facts

    Population:

    11,281

    Median Age:

    38

    Housing Units:

    3,915

    Bike Score:

    47/100

    Walk Score:

    20/100

    Transit Score:

    14/100

    Median Household Income:

    $111,925

    Rita Ranch Housing Market

    The Rita Ranch market can be competitive at times, with some homes receiving multiple offers and the average home remaining on the market for 87 days.

    Typical homes generally sell for about list price; in-demand homes can sell for 1% less than list price.


    Median Sale Price

    $339,000

    Median Price Per Square Ft.

    $198


    Iron Horse

    Iron Horse is a historic and eclectic neighborhood in central Tucson, located just east of Downtown Tucson and near the University of Arizona. Known for its charming early 20th-century homes, adobe bungalows, and vibrant character, Iron Horse is a walkable, bike-friendly community with a rich history and artistic flair.

    Today, it’s a popular spot for both locals and visitors as it houses the Historic Coronado Hotel and has plenty of great shops and markets to patronize.



    Quick Facts

    Population:

    594

    Median Age:

    28

    Housing Units:

    243

    Bike Score:

    99/100

    Walk Score:

    87/100

    Transit Score:

    69/100

    Median Household Income:

    $47,901

    Iron Horse Housing Market

    Redfin reports that houses in Iron Horse typically sell at 3.6% below list price and spend an average of eight days on the market.

    Inventory is on the low side in Iron Horse, so you may need to be patient if you hope to find your dream home in this neighborhood.


    Median Sale Price

    $347,000

    Median Price Per Square Ft.

    $519



    SoFi Home Loans

    It’s easy to see why Tucson has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.

    If you think Tucson could be your home sweet home, then you may need to consider different mortgage loans during your home buying process.

    Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

    SoFi Mortgages: simple, smart, and so affordable.


    View your rate

    FAQ

    How have home prices in Tucson changed recently?

    Overall, Tucson’s housing market has seen steady price growth. However, as of early 2025, the median home price reached approximately $325,000, reflecting a 0.67% price decrease from the previous year. While prices remain lower than the national average, strong demand continues to drive gradual appreciation in home values.

    Is Tucson currently a buyer’s or seller’s market?

    As of 2025, Tucson maintains a relatively balanced market, with homes selling at about 98% of their listing price. While inventory remains somewhat limited, moderate price increases and stable demand suggest that both buyers and sellers have opportunities in the market.

    What factors are influencing Tucson’s housing market trends?

    Key influences on Tucson’s housing market include affordability, job growth, and migration patterns. With home prices significantly lower than the national average, Tucson remains attractive to first-time buyers and retirees. However, those interested in moving to Tucson should be aware that in recent years, Arizona — including Tucson — has seen extreme heat. In 2024, Tucson saw 112 days of temperatures over 100 degrees Fahrenheit.


    SoFi Mortgages
    Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.


    SoFi Loan Products
    SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


    Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.



    *SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.


    ‡Up to $9,500 cash back: HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.

    Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.

    HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.

    SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.

    If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

    Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

    SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.

    The trademarks, logos and names of other companies, products and services are the property of their respective owners.


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    Seattle Housing Market: Trends & Prices


    Seattle Housing Market: Trends & Prices (2025)

    On this page:

      Seattle Real Estate Market Overview

      By Robin Rothstein

      (Last Updated – 4/2025)

      As of 2025, Seattle is still considered a seller’s market due to continued high demand and limited housing supply. Seattle’s hot real estate market is also due in part to the influx of high-earning, remote tech employees from big companies like Amazon and Facebook.

      With a population of more than 760,000, Seattle is the 18th largest city in the U.S. It may get a bad wrap for its weather, but the rain creates lush greenery and gives the city a sparkling clean feel. Plus, more-spacious homes allow for office areas for remote workers.

      Currently, there are more than 458,000 employees in Seattle, and the average median household income is $120,608, according to the latest U.S. Census Bureau data.

      A benefit of Seattle that big cities don’t always offer is ease of movement. Walking, biking, and public transportation are so accessible that the average commute time for those living in the Seattle metropolitan area is 26.6 minutes. Car ownership in Seattle is also lower than the U.S. average, with an average of only one car per household.


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      Recommended: Home Ownership Resources

      $856,950

      Median Sale Price

      $583

      Median Price Per Sq. Ft

      10 days

      Median Time on Market

      Seattle Housing Market Forecast

      If you’re hoping to purchase a home in this area, expect to face high competition as homes are selling quickly and typically receive multiple offers. The strong job market, scenic views, and cultural scene make it a desirable location for millennials and people of all backgrounds. This along with constrained inventory means Seattle is a seller’s market, although local real estate agents forecast the market is getting more balanced in some areas.


      Housing market forecast chart

      *Graph taken from Zillow as of 04/2025

      Demographics of the Seattle Market

      If you love rain, Seattle may be the perfect fit for you. This city gets about 150-152 rainy days a year.

      The upside is that Seattle is home to the original Starbucks, and this city takes its coffee seriously. There will be no shortage of hot cups of joe to keep you warm on drizzly days.

      Median Income: $120,608

      Median Age: 35.6

      College Educated: 69.8%

      Homeowners: 43.7%

      Married: 35.2%

      Downtown Seattle

      Downtown Seattle is the vibrant heart of the city, known for its iconic skyline, bustling streets, and waterfront views. It’s a dynamic blend of business, culture, and entertainment, home to major companies like Amazon and Nordstrom, as well as attractions such as Pike Place Market, the Seattle Art Museum, and the Seattle Aquarium.

      Residents enjoy a highly walkable neighborhood with high-rise living, luxury condos, and access to a wide variety of restaurants, shops, and nightlife. With easy public transit options — including light rail and buses — Downtown Seattle offers convenience and urban energy, making it ideal for anyone who thrives in a fast-paced environment.



      Quick Facts

      Population:

      40,493

      Median Age:

      35

      Housing Units:

      29,910

      Bike Score:

      63/100

      Walk Score:

      98/100

      Transit Score:

      100/100

      Average Household Income:

      $102,752

      Downtown Housing Market

      Redfin considers Downtown Seattle a somewhat competitive market. The typical home goes pending in 44 days and sells for about 2% below list price. Hot homes go pending quicker — in around seven days — and sell closer to list price.

      In February 2025, median home sale prices were down 1.3% compared to last year. Homes stay on the market, on average, for about 74 days.


      Median Sale Price

      $658,000

      Average Price Per Square Foot

      $772


      Capitol Hill

      Capitol Hill is a vibrant and densely populated neighborhood located just east of downtown Seattle. Known for its eclectic culture and lively atmosphere, the area features a diverse array of bars, restaurants, boutiques, and entertainment venues, particularly along Broadway, 15th, and 19th Avenues.

      This area of Seattle was formerly the center of the grunge movement and has maintained a passion for music, theater, and art.



      Quick Facts

      Population:

      30,955

      Median Age:

      37

      Housing Units:

      18,325

      Bike Score:

      84/100

      Walk Score:

      93/100

      Transit Score:

      76/100

      Average Household Income:

      $207,235

      Capitol Hill Housing Market

      The Capitol Hill market is considered somewhat competitive, with the average home going pending within 37 days and selling for 1% below list price.


      Median Sale Price

      $615,500

      Average Price Per Square Ft.

      $593


      East Queen Anne

      East Queen Anne, one of the best places to live in Washington, is situated on the eastern slope of Queen Anne Hill. The neighborhood is characterized by its tree-lined streets and a mix of historic and modern homes, reflecting its rich architectural heritage.

      East Queen Anne provides a dense urban feel, with numerous bars, restaurants, coffee shops, and parks contributing to its vibrant atmosphere. The community is known for its walkability and proximity to downtown Seattle, making it a convenient location for professionals and families alike.



      Quick Facts

      Population:

      32,251

      Median Age:

      32.1

      Housing Units:

      21,782

      Bike Score:

      71/100

      Walk Score:

      82/100

      Transit Score:

      68/100

      Average Household Income:

      $166,998

      East Queen Anne Housing Market

      The East Queen Anne housing market is very competitive, and the median home sale price went up 36.6% compared to last year.

      Many homes get multiple offers, some with waived contingencies, and average homes sell for 1% above list price after an average of 13 days on the market.


      Median Sale Price

      $1,352,500

      Average Price Per Square Ft.

      $664


      Eastlake

      Eastlake is a charming neighborhood located along the eastern shore of Lake Union in Seattle, Washington. Bordered by Lake Union to the west, Portage Bay to the north, Interstate 5 to the east, and E. Galer Street to the south, it offers residents picturesque waterfront views and a serene atmosphere.

      The neighborhood is renowned for its eclectic mix of housing options, including floating homes, single-family residences, apartments, and condominiums. Eastlake is a close-knit community and a desirable place to live for those seeking a blend of urban amenities and neighborhood charm.​



      Quick Facts

      Population:

      8,836

      Median Age:

      33

      Housing Units:

      5,934

      Bike Score:

      77/100

      Walk Score:

      82/100

      Transit Score:

      56/100

      Average Household Income:

      $152,260

      Eastlake Housing Market

      Some homes in Eastlake may come with waterfront views, but they can also come with hefty price tags. The median home price was $900,000 in February 2025, which is up 24.4% from last year.

      According to Redfin, the Eastlake housing market is somewhat competitive, with some homes getting multiple offers. Average homes are pending within 48 days and sell for 2% below list price.


      Median Sale Price

      $900,000

      Average Price Per Square Ft.

      $621


      Belltown

      Belltown is a vibrant and densely populated neighborhood located just north of downtown Seattle, Washington. Historically a low-rent, semi-industrial arts district, Belltown has transformed into a hub of trendy restaurants, boutiques, nightclubs, and residential towers. The neighborhood is named after William Nathaniel Bell, on whose land claim it was built.

      Residents enjoy a variety of dining options, chic boutiques, art galleries, and a legendary music scene. Belltown’s proximity to landmarks like Pike Place Market, the Seattle Art Museum, and the Olympic Sculpture Park adds to its appeal. The area boasts a high walkability score, making it convenient for residents to access amenities and public transportation.



      Quick Facts

      Population:

      12,333

      Median Age:

      34

      Housing Units:

      9,411

      Bike Score:

      76/100

      Walk Score:

      98/100

      Transit Score:

      97/100

      Average Household Income:

      $158,822

      Belltown Housing Market

      The median home price in Belltown was $602,750 in February 2025, which is down 1.1% from the previous year.

      Redfin considers this a somewhat competitive market, with some homes receiving multiple offers. Typical homes are pending in about 34 days for 2% above list price.


      Median Sale Price

      $602,750

      Average Price Per Square Ft.

      $654



      SoFi Home Loans

      It’s easy to see why Seattle has become such a popular market to buy a home in. There are dozens of amazing neighborhoods to choose from whether you’re young and single or have a family to look after.

      If you think Seattle could be your home sweet home, then you may need to consider different mortgage loans during your home-buying process.

      Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

      SoFi Mortgages: simple, smart, and so affordable.




      View your rate

      FAQ

      What is the current trend in Seattle home prices?

      Seattle home prices have shown a moderate increase in early 2025 after a dip the previous year. Demand remains strong, especially in urban neighborhoods, driven by limited inventory and a steady influx of new residents.

      Is Seattle a buyer’s or seller’s market?

      Seattle currently leans toward a seller’s market, with homes receiving multiple offers and selling quickly, particularly in popular neighborhoods like East Queen Anne and Capitol Hill.

      How competitive is the Seattle housing market?

      Seattle’s housing market remains competitive. Well-priced homes in desirable neighborhoods often sell within days, and bidding wars are common. Buyers are encouraged to have preapproval and work with a local agent.

      What is the median home price in Seattle?

      According to Redfin, the median sale price in Seattle is $856,950. However, prices vary widely depending on the neighborhood and type of home, with some areas well above the citywide average.


      SoFi Mortgages
      Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.


      SoFi Loan Products
      SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


      Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.



      *SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.


      ‡Up to $9,500 cash back: HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.

      Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.

      HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.

      SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.

      If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

      Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

      SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.

      The trademarks, logos and names of other companies, products and services are the property of their respective owners.



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      San Jose Housing Market: Trends & Prices


      San Jose Housing Market: Trends & Prices (2025)

      On this page:

        San Jose Real Estate Market Overview

        By Robin Rothstein

        (Last Updated – 04/2025)

        San Jose offers a unique blend of urban innovation and relaxed California charm. As the heart of Silicon Valley, it’s a hub for tech professionals and entrepreneurs, with a thriving economy and access to world-class opportunities.

        In addition to San Jose’s bustling economy, the city boasts more than 300 sunny days per year, 41 rainy days, and no snow. Comparatively, the U.S. average for these fun weather facts is 200-250 days of sun, 110-120 rainy days, and anywhere from zero to 60+ days of snow.

        San Jose’s cultural diversity is another big strength, reflected in its wide array of international cuisine, community festivals, and inclusive neighborhoods. San Jose also encourages an active lifestyle with countless parks, trails, and outdoor spaces to explore.

        But the rise of Silicon Valley has contributed to the rise of the San Jose average house price in recent years, and San Jose’s cost of living is one of the highest in the entire nation.

        Still, if you can swing it and you’re looking to buy, San Jose is a lovely place to live. But before you make any big decisions, keep reading to learn more about the San Jose housing market forecast, housing prices, and neighborhood demographics.


        Get matched with a local
        real estate agent and earn up to
        $9,500 cash back when you close.

        Connect with an agent



        $1.4 million

        Median Sale Price

        $914

        Median Price Per Sq. Ft

        12 days

        Median Time on Market

        San Jose Housing Market Forecast

        According to Zillow, San Jose’s housing market went up 8.1% over the past year.

        Given that homes are selling quickly and above asking price, San Jose is forecasted to continue to be in a seller’s market throughout the rest of 2025.

        Housing market forecast chart

        *Graph taken from Zillow as of 04/2025

        Demographics of the San Jose Market

        There are dozens of distinct neighborhoods across San Jose’s 177.9 square miles, all of which have their own benefits and charm.

        Before looking at a few, you might want to review some overarching San Jose demographics.

        Median Income: $136,229

        Median Age: 38.1

        College Educated: 47.6%

        Homeowners: 56%

        Married: 50%

        Willow Glen

        Willow Glen is a charming neighborhood located southwest of downtown San Jose and minutes from San Jose State University. Renowned for its tree-lined streets and historical architecture, the area offers a small-town feel within the urban environment of San Jose.

        The neighborhood’s main thoroughfare, Lincoln Avenue, serves as a vibrant downtown district, featuring a variety of boutique shops, restaurants, and cafes that contribute to its lively atmosphere.



        Quick Facts

        Population:

        63,524

        Median Age:

        38.6

        Housing Units:

        26,833

        Bike Score:

        70/100

        Walk Score:

        58/100

        Transit Score:

        40/100

        Median Household Income:

        $195,812

        Willow Glen Housing Market

        Get ready to move quickly if you’re looking to find the right home in Willow Glen. Most homes in this extremely competitive area only stay on the market for around 11 days.

        Really popular homes typically only last eight days, so you’ll need to be ready to make an offer if you find a home you love. You also need to be prepared to spend, as homes for sale in Willow Glen usually sell for 5% to 12% above their list price.


        Median Sale Price

        $1.86 million

        Median Price Per Square Ft.

        $1,180


        Silver Creek

        Ranked as one of Niche’s best neighborhoods to live in, Silver Creek is an affluent neighborhood known for its picturesque landscapes and upscale residences. The community, which is composed of both retirees and families, offers a tranquil suburban atmosphere with convenient access to urban amenities.

        Residents enjoy a variety of shopping and dining options at the nearby Canyon Creek Plaza Shopping Center, which offers a range of retail stores and eateries. For outdoor enthusiasts, the area provides numerous parks and trails, promoting an active and healthy lifestyle.



        Quick Facts

        Population:

        19,420

        Median Age:

        38.4

        Housing Units:

        5,707

        Bike Score:

        24/100

        Walk Score:

        10/100

        Transit Score:

        14/100

        Median Household Income:

        $255,752

        Silver Creek Housing Market

        Like many neighborhoods in San Jose, Silver Creek has a somewhat competitive housing market. Homebuyers should expect some homes for sale to receive multiple offers and to sell for around 3% above list price.

        If you are interested in calling Silver Creek home, you’ll need to move fast. Silver Creek houses typically go pending in nine days, with in-demand homes going in just six days.


        Median Sale Price

        $3.2 million

        Median Price Per Square Ft.

        $985


        Almaden Valley

        Almaden Valley is nestled between the Santa Cruz Mountains to the west and the Santa Teresa Hills to the east. The upscale neighborhood is known for its picturesque landscapes, rolling hills, open spaces, and scenic views.

        The shining star of Almaden is the Almaden Community Center. This state-of-the-art facility hosts athletic programs, events, arts and crafts, and summer camps for children.

        Residents of Almaden Valley also enjoy access to numerous parks and recreational areas, including the expansive Almaden Quicksilver County Park, which features over 4,000 acres of hiking trails and picnic spots.



        Quick Facts

        Population:

        38,003

        Median Age:

        46.9

        Housing Units:

        12,864

        Bike Score:

        67/100

        Walk Score:

        67/100

        Transit Score:

        34/100

        Median Household Income:

        $297,716

        Almaden Valley Housing Market

        The Almaden Valley housing market has been hot this past year, with Redfin data showing home prices up 5.3% from February 2024 to February 2025.

        The area remains very competitive, with most homes getting multiple offers and only staying on the market for eight days. Popular homes in this neighborhood stay on the market for just six days.


        Median Sale Price

        $2.3 million

        Median Price Per Square Ft.

        $1,060


        Downtown

        Downtown San Jose serves as the vibrant urban center of Silicon Valley, seamlessly blending business, culture, and entertainment. The area is home to major tech companies like Adobe and Zoom, alongside over 200 high-tech firms, fostering an environment rich in innovation and professional opportunities.

        Residents of Downtown San Jose can enjoy a dynamic culinary scene, with establishments like the San Pedro Square Market offering diverse dining options. The area is also known for its lively nightlife, featuring numerous bars, clubs, and entertainment venues.



        Quick Facts

        Population:

        74,383

        Median Age:

        33.5

        Housing Units:

        28,827

        Bike Score:

        91/100

        Walk Score:

        79/100

        Transit Score:

        60/100

        Median Household Income:

        $140,278

        Downtown Housing Market

        The Downtown San Jose housing market is very competitive, according to Redfin. Many of the homes for sale receive multiple offers, so get ready to bid if you find your dream home in this neighborhood.

        The average home in Downtown San Jose is pending within 20 days and sells for 1% above list price. More desired homes are pending within nine days and may go as high as 5% above list price.


        Median Sale Price

        $1.0 million

        Median Price Per Square Ft.

        $757


        Cambrian Park

        Cambrian Park is a charming suburban neighborhood located in the western part of San Jose. Known for its tree-lined streets and family-friendly atmosphere, Cambrian Park offers residents a blend of suburban tranquility and urban convenience.

        The neighborhood has highly rated public schools, making it a desirable location for families. Residents enjoy access to numerous parks and recreational facilities, fostering an active outdoor lifestyle.



        Quick Facts

        Population:

        80,176

        Median Age:

        39

        Housing Units:

        28,298

        Bike Score:

        68/100

        Walk Score:

        67/100

        Transit Score:

        37/100

        Median Household Income:

        $213,700

        Cambrian Park Housing Market

        Cambrian Park has one of the most competitive housing markets in San Jose. Most homes in this area receive multiple offers and sell in around 10 days for 10% above list price.

        The more in-demand homes can sell for 15% above list price after just eight days on the market.


        Median Sale Price

        $2.2 million

        Median Price Per Square Ft.

        $1,220



        SoFi Home Loans

        It’s easy to see why San Jose has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.

        If you think San Jose could be your home sweet home, then you may need to consider different mortgage loans during your home buying process.

        Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

        SoFi Mortgages: simple, smart, and so affordable.



        View your rate

        FAQ

        What is the current rate of the San Jose housing market?

        The San Jose housing market remains competitive, with limited inventory and high demand keeping prices elevated. While price growth has moderated slightly, home values are still among the highest in the country, reflecting the area’s strong economy and tech-driven job market.

        Is San Jose a buyer’s or seller’s market?

        San Jose is currently a seller’s market. Homes often receive multiple offers, and properties tend to sell quickly, sometimes above the asking price. Buyers should be prepared to act fast and may need to offer competitive bids.

        Are there affordable housing options in San Jose?

        While San Jose is known for its high cost of living, some neighborhoods offer relatively more-affordable housing. South San Jose and parts of East San Jose may provide opportunities for buyers seeking entry-level homes or fixer-uppers. Additionally, the city is investing in more affordable housing developments.

        How much does a typical home cost in San Jose?

        As of early 2025, the median home price in San Jose is $1.4 million, according to Redfin. Prices vary by neighborhood, with areas like Almaden Valley and Silver Creek on the higher end, while places like Downtown San Jose offer slightly more affordable options.


        SoFi Mortgages
        Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.


        SoFi Loan Products
        SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


        Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.



        *SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.


        ‡Up to $9,500 cash back: HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.

        Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.

        HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.

        SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.

        If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

        Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

        SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.

        The trademarks, logos and names of other companies, products and services are the property of their respective owners.


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        Atlanta Housing Market: Trends & Prices


        Atlanta Housing Market: Trends & Prices

        On this page:

           

          Atlanta Real Estate Market Overview

          By Robin Rothstein

          (Last Updated – 04/2025)

          Atlanta is known by many names. Some prefer City in a Forest or City of Trees because of Atlanta’s unique tree canopy. Of course, Hotlanta also has a nice ring to it. By any name, roughly 510,800 people choose to live in Atlanta.

          Atlanta’s roots go back to 1837, when it was located at the end of the Western & Atlantic railroad line. Today, the city is still a major transportation hub thanks to Hartsfield-Jackson Atlanta International Airport, the world’s busiest airport for daily passenger flights. Because of direct flights to Europe, Asia, and South America, business travel is booming in Atlanta, where there are about 2,600 internationally owned enterprises in the metro area.

          According to the most recent Council for Community and Economic Research’s Cost of Living Index, the overall cost of living in Atlanta is about 4% below the national average, but 9% above the state average in Georgia. Despite some of the higher costs, a lot of people clearly love living in Atlanta. The population increased by nearly 90,820 between 2010 to 2023, according to the latest census data. Also, approximately 80% of Atlanta homeowners stayed in the same house over the past year, according to the most recent census data.

          A recent study by Wallethub found that Atlanta has one of the best real-estate markets in the U.S. The study considered 17 key factors, like economic environment and affordability.

          Recommended: Cost of Living in Georgia (2025)

          First-time buyers and more seasoned house hunters will all find something to love about living in Atlanta, so let’s take a closer look at Atlanta home prices, recent market trends, and popular neighborhoods.


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          $380,000

          Median Sale Price

          $267

          Median Price Per Square Foot

          84 days

          Median Time on Market

          Atlanta Housing Market Forecast

          The Atlanta housing market has seen diminished activity in recent years. According to Zillow, in March 2025, home prices were down 2.4% over the past year. Redfin numbers show home prices down 10.6% over the same period. Atlanta’s real estate slowdown began in the summer of 2022, when demand leveled off. As we head into spring 2025, inventory is taking longer to sell. That’s good news for buyers: If you fall in love with a house that is within your price range, chances are you could stay within your budget.


          Housing market forecast chart

          *Graph taken from Zillow as of 3/2025

          Demographics of the Atlanta Market

          Atlanta is a city that is always changing. While there is plenty of historic architecture to enjoy, brand-new skyscrapers are popping up along the skyline in popular neighborhoods like Midtown and Buckhead.

          Before you decide to become an Atlanta property owner, let’s take a closer look at some fast facts about the Atlanta real estate market.

          Median Household Income: $81,938

          Median Age: 34.5

          College Educated: 58.4%

          Homeowners: 46.3%

          Married: 30.62%

          Virginia Highland

          If you’re looking for charm, look no further than the Virginia Highland neighborhood. Cute bungalows are intermixed with shopping villages, and the entire area is pedestrian-friendly.

          You can enjoy turn-of-the-century architecture as well as new construction. Overall, this is a vibrant and diverse neighborhood to live in.

           

           

          Quick Facts

          Population:

          24,493

          Median Age:

          38.3

          Housing Units:

          12,445

          Bike Score:

          73/100

          Walk Score:

          77/100

          Transit Score:

          40/100

          Median Household Income:

          $195,439

          Virginia Highland Housing Market

          While housing prices skyrocketed in Virginia Highland in the early 2020s, prices have decreased significantly in the last year. As of February 2025, home values were down 45.2% compared to last year. Redfin data shows that the median sale price for homes in this neighborhood was $465,750. Virginia Highland is currently considered somewhat competitive, meaning some homes get multiple offers, and average homes sell for 2% below list price.


          Median Sale Price

          $466,000

          Median Price Per Square Foot

          $384


          Buckhead

          Buckhead is considered to be one of the more affluent neighborhoods in Atlanta and one of the most aesthetically appealing, with century-old trees, mansions, and midcentury homes to admire.

          Entertainment, parks, museums, and nightlife await Buckhead residents. Not to mention, they have some pretty ritzy shopping options too.

           

           

          Quick Facts

          Population:

          92,843

          Median Age:

          34.7

          Housing Units:

          54,020

          Bike Score:

          54/100

          Walk Score:

          95/100

          Transit Score:

          42/100

          Median Household Income:

          $230,726

          Buckhead Housing Market

          The housing market in Buckhead is a bit hit or miss. The more popular homes in this charming neighborhood sell in around 24 days, but the average home spends 94 days on the market (almost double the time they spent the previous year). While housing prices increased in this somewhat competitive market by 4.2% in February 2025, compared to the same month the year prior, the typical home sells for about 3% below list price.


          Median Sale Price

          $675,000

          Median Price Per Square Foot

          $336


          Old Fourth Ward

          Old Fourth Ward regularly earns top spots for places to visit and stay in Atlanta, and for good reason. High scores in categories related to walkability, transportation, entertainment options, and plenty of historic landmarks all contribute to the appeal of this neighborhood.

          An eclectic area just east of downtown, Old Fourth Ward has a funky, bohemian vibe with repurposed industrial spaces becoming hot foodie destinations and live/work spaces for artsy types.

           

           

          Quick Facts

          Population:

          13,630

          Median Age:

          32

          Housing Units:

          8,716

          Bike Score:

          85/100

          Walk Score:

          82/100

          Transit Score:

          55/100

          Median Household Income:

          $106,799

          Old Fourth Ward Housing Market

          Those looking for a home in the Old Fourth Ward housing market may find themselves facing some competition.

          Typical homes in Old Fourth Ward sell in about 70 days and for about 1% below list price; however, if you end up picking a popular home, you will have to commit faster, as those homes tend to go pending in around 26 days.


          Median Sale Price

          $473,750

          Median Price Per Square Foot

          $419


          Midtown

          Midtown is proud to be the South’s first “EcoDistrict,” and residents are passionate about collaborating on initiatives that improve both environmental and economic performance.

          This pedestrian-friendly neighborhood offers robust transit options and lots of greenery, and has a diverse mix of land uses.

           

           

          Quick Facts

          Population:

          17,814

          Median Age:

          32

          Housing Units:

          12,100

          Bike Score:

          74/100

          Walk Score:

          87/100

          Transit Score:

          61/100

          Median Household Income:

          $133,999

          Midtown Housing Market

          You might have a bit more flexibility if you’re house shopping in the Midtown neighborhood. This somewhat competitive real estate market sometimes sees homes receive multiple offers, but typically they sell for around 2% below the list price. Typical houses in Midtown sell in about 79 days, so you have a little bit of time to make a move. However, if you have your sights set on an in-demand home, those can sell in around 36 days.


          Median Sale Price

          $372,500

          Median Price Per Square Foot

          $361


          Inman Park

          Very walkable but also connected with public transportation options, Inman Park can offer a lot if you want to feel a part of the hustle and bustle of Atlanta. The area was established as Atlanta’s first garden suburb, and its leafy parks and green spaces add a sense of cool (literally) on a hot summer’s day. You’ll find loads of Victorian-era homes, a lush tree canopy, and neighborhood festivals that everyone can enjoy.

           

           

          Quick Facts

          Population:

          21,680

          Median Age:

          35

          Housing Units:

          10,308

          Bike Score:

          82/100

          Walk Score:

          87/100

          Transit Score:

          56/100

          Median Household Income:

          $205,305

          Inman Park Housing Market

          Move quickly if you find your dream home in the Inman Park neighborhood. It is considered to be a very competitive real estate market, and the median sale price increased by 13.1% in February 2025, compared to last year. Typical houses go pending in around 16 days, with many homes getting multiple offers. In-demand homes go pending in only 10 days.


          Median Sale Price

          $701,500

          Median Price Per Square Foot

          $431



          SoFi Home Loans

          It’s easy to see why Atlanta has become such a popular market to buy a home in. There are some really amazing neighborhoods to choose from whether you’re young and single or have a family to look after.

          Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

          SoFi Mortgages: simple, smart, and so affordable.


          View your rate

          FAQ

          What is the average house cost in Atlanta?

          According to the most recent data from Redfin, the median sale price for a home in Atlanta, Georgia, was $380,000 in February 2025.

          How much do you need to make to buy a house in Atlanta?

          Your salary needs will depend on how expensive a house you want to buy and which neighborhood you want to live in, but the median household income in Atlanta is $81,938 per year, according to the most recent census data.

          Is Atlanta a good place to buy a house?

          Home prices in Atlanta are down in recent years compared to the spike in 2022, and homes are taking longer to sell on average, which means they are getting fewer offers. If you find a house you like in Atlanta within your budget, chances are you will be able to buy it for a price that is reasonable for your needs.


          SoFi Loan Products
          SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


          SoFi Mortgages
          Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.


          SoFi Loan Products
          SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


          Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.



          *SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.


          ‡Up to $9,500 cash back: HomeStory Rewards is offered by HomeStory Real Estate Services, a licensed real estate broker. HomeStory Real Estate Services is not affiliated with SoFi Bank, N.A. (SoFi). SoFi is not responsible for the program provided by HomeStory Real Estate Services. Obtaining a mortgage from SoFi is optional and not required to participate in the program offered by HomeStory Real Estate Services. The borrower may arrange for financing with any lender. Rebate amount based on home sale price, see table for details.

          Qualifying for the reward requires using a real estate agent that participates in HomeStory’s broker to broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and or seller representation agreements. Upon successful close of the transaction, the Real Estate Agent pays a fee to HomeStory Real Estate Services. All Agents have been independently vetted by HomeStory to meet performance expectations required to participate in the program. If you are currently working with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®. A reward is not available where prohibited by state law, including Alaska, Iowa, Louisiana and Missouri. A reduced agent commission may be available for sellers in lieu of the reward in Mississippi, New Jersey, Oklahoma, and Oregon and should be discussed with the agent upon enrollment. No reward will be available for buyers in Mississippi, Oklahoma, and Oregon. A commission credit may be available for buyers in lieu of the reward in New Jersey and must be discussed with the agent upon enrollment and included in a Buyer Agency Agreement with Rebate Provision. Rewards in Kansas and Tennessee are required to be delivered by gift card.

          HomeStory will issue the reward using the payment option you select and will be sent to the client enrolled in the program within 45 days of HomeStory Real Estate Services receipt of settlement statements and any other documentation reasonably required to calculate the applicable reward amount. Real estate agent fees and commissions still apply. Short sale transactions do not qualify for the reward. Depending on state regulations highlighted above, reward amount is based on sale price of the home purchased and/or sold and cannot exceed $9,500 per buy or sell transaction. Employer-sponsored relocations may preclude participation in the reward program offering. SoFi is not responsible for the reward.

          SoFi Bank, N.A. (NMLS #696891) does not perform any activity that is or could be construed as unlicensed real estate activity, and SoFi is not licensed as a real estate broker. Agents of SoFi are not authorized to perform real estate activity.

          If your property is currently listed with a REALTOR®, please disregard this notice. It is not our intention to solicit the offerings of other REALTORS®.

          Reward is valid for 18 months from date of enrollment. After 18 months, you must re-enroll to be eligible for a reward.

          SoFi loans subject to credit approval. Offer subject to change or cancellation without notice.

          The trademarks, logos and names of other companies, products and services are the property of their respective owners.


          SOHL-Q125-206

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          Trying to Time the Market? Here’s Another Way

          Life these days can feel pretty unpredictable. Navigating the fickle stock market may be the last thing you want to do.

          But investing your money doesn’t have to require a lot of guesswork. There are ways to make it more hands-off and still get where you want to go.

          One strategy is what’s known as dollar-cost averaging, a very systematic approach that involves investing a fixed amount of money at regular intervals, regardless of what the stock market is doing. (Think 401(k) contributions.) Here’s more on how it works, reasons for using it (or avoiding), and who may benefit the most.

          Dollar Cost Averaging: The Same Amount No Matter What

          Dollar-cost averaging is simpler than the name might suggest. If you commit to investing the same dollar amount at regular times — maybe $50 every Friday or $250 on the 1st of the month — you remove any need to decide when to invest. You still have to decide what to invest in (though you can pre-select that too), but the timing part is often the most daunting.

          A regular investment schedule can help you resist the pressure or temptation to predict market movements, which is a difficult task even for seasoned stock investors. The discipline helps to maintain a steady course, reducing the likelihood of panic selling during downturns or impulsive buying during rallies.

          In other words, you don’t have to worry you’re missing out on a good deal during a dip or overpaying when the market is going up. The idea is to emphasize consistency over timing so you have a reliable path to building wealth despite any market noise or media hype.

          Putting Time in the Market Over Timing the Market

          One of the primary reasons to use dollar-cost averaging is to lower your average per-share cost over time. The same $100 will buy more shares when the price of each share is low and fewer shares when it’s high, but hopefully, in the end, you’ve paid less per share than if you’d bought all your shares at once.

          Put another way, you’re smoothing out the impact of market changes and minimizing the potential downside of investing a lump sum at the wrong time.

          Dollar-cost averaging assumes one of the core tenets of investing for retirement, college tuition or any other long-term goal: the longer you stay invested — riding out any inevitable ups and downs — the more likely you are to earn a return on your money. The benchmark S&P 500 Index, for instance, has averaged an annual return of about 10% (6%-7% if you adjust for inflation) over time.

          It also leverages the power of compound returns, where your returns (the money you earn from your investments) generate their own returns, creating a snowball effect that can boost your wealth over time.

          A Way to Build Healthy Habits

          Automating your investments can be a powerful tool for maintaining discipline and consistency and can be particularly useful if you’re just starting to build your portfolio.

          Setting up weekly, monthly, or quarterly transfers into an investment account helps to build a habit of investing, making it a natural part of your financial management. It also removes the urge to spend that money on something that won’t benefit you as much, and the possibility that you’ll forget to make an investment. (It’s not like forgetting to take your dog out, where you know once you’ve done it.)

          Plus, taking the guesswork out of things does more than just remove angst. It can also provide a real sense of security and control.

          (Here at SoFi, we’re even contributing a 1% match to SoFi Plus members who set up recurring deposits to any SoFi Invest® account, including accounts with robo advising.)

          The Trade-off

          Dollar-cost averaging isn’t for everyone. If you’d hate to miss out on big upturns in the market, it may not be the right strategy for you. This trade-off is essential to understand, because in the end, investing is a balancing act between risks and rewards.

          Your approach to investing is as personal as anything else, and whether to rely on dollar-cost averaging or lump sum investing comes down to your appetite for risk and why you’re in the market. Ask yourself if you’re driven by maximum returns and what’s just ahead or by predictability and the long horizon. Timing the market just right may be more lucrative, but your peace of mind may often be worth more.


          Dollar cost averaging is an investment strategy that involves regularly investing a fixed amount of money, regardless of market conditions. This approach can help reduce the impact of market volatility and lower the average cost per share over time. However, it does not guarantee a profit or protect against losses in declining markets. Investors should consider their financial goals, risk tolerance, and market conditions when deciding whether to use dollar cost averaging. Past performance is not indicative of future results. You should consult with a financial advisor to determine if this strategy is appropriate for your individual circumstances.

          Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

          The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

          SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.


          photocredit: iStock/Nuthawut Somsuk

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