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September 2026 Newsletter

Market Update

Fresh Starts All Around: Free Birds, Banana Slugs & a Back-to-School Market!
Big changes in our home this September! Three family birthdays in the first week alone. My husband turned 60 and celebrated by swimming from Alcatraz to Aquatic Park, wow! And our youngest just started at UCSC, Go Banana Slugs! We are officially empty nesters... or, as Lynyrd Skynyrd would put it, "Free Birds!"

Speaking of fresh starts, the SF market is back in session too. Inventory jumped 36% in just three weeks, from 454 homes on September 2 to 619 today. This time last year? 860 — still 28% fewer homes to choose from. Condos are the star student this fall — condo contracts jumped 13.8% in a single week. (See chart below: 2026 vs. 2025 active inventory) — the gap says it all.) I had a fantastic September and closed my fabulous fully remodeled duplex at $600,000 over asking price. Two families, friends who had been looking to have their own "co-living compound" bought it - super cool! I'm thrilled for them!
New listings hit 188 the week of Sept 16 and have already cooled to 148, so the best fall selection is right now. Buying or selling, let's get you to the head of the class — just hit reply!

Source: SFAR MLS. Data deemed reliable but is not guaranteed.

What's Happening with Mortgage Rates: Rates are at 7.03% this week, up from 6.67% in August. Seven months ago, they were under 6% (see below). Here's the upside: higher rates keep some buyers on the sidelines, that means less competition for you. Most owners won't give up their sub-6% rates, so inventory stays tight Find the right place now. Refinance when rates drop.

Representing the SELLER
$4,800,000
GORGEOUS remodeled duplex
over 5,000 SF
Just 14 Days on Market
14% over asking price with multiple offers!

77 benton street
Representing the BUYER
$2,200,000
This will be a fun redevelopment project! Wait until you see the end result. Getting to closing was an exercise in grit & creativity - my fave!

201 laguna st
Representing the SELLER
A fabulous sunny and spacious one-bedroom in the heart of Hayes Valley w/ shared outdoor deck & Parking!

750 Van NEss Ave v502
Representing the BUYER
An amazing opportunity to work with the Mayors Office of Housing and Community Development on a Below Market Rate apartment - a rare find in today's competitive market!

  • Grand Victorian, Pacific Heights - under renovation - with parking!
  • Castro Duplex - renovated & vacant - with parking!
Well-priced homes are moving fast, and buyers are learning to look past the list price to figure out where a home will really trade. If you're thinking about buying or selling this fall, let's talk. I work with both buyers and sellers, for residential homes and investment properties. I'm always happy to answer any questions you might have.
Cheers,
Lisa Zahner
415.948.5747
p.s. just a quick dip in the Bay is invigorating enough for me!

LISA ZAHNER
415.948.5747
Lic. #02018164
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Contact Details

Lisa Zahner | CA DRE# 02018164

(415) 948-5747

[email protected]

 

629 Divisadero St
San Francisco CA 94117

 

 

 

Contact Broker-Of-Record
Hilary Saunders
Corporate License No. 02014153
[email protected]