"At a Glance" Local Housing STATS and News 07/14/26

30-Year Fixed: 6.75%  |  15-Year Fixed: 6.21%

The 30-year fixed ticked up to 6.75% and the 15-year to 6.21%, a touch higher on the week. Rates back near 6.75% keep the lock-in effect firmly in place, so most owners stay put and resale supply stays tight.

National: Realtor.com trimmed its outlook and now expects U.S. home prices to rise just 1.2% over the next year. With high mortgage rates still squeezing buyers, sellers are dialing back expectations, which can hand buyers more room to negotiate even as it slows equity growth for current owners. It fits a national picture of a market cooling at the edges without breaking.

Local board: 2,759 active (down from 2,814), 235 new listings, 191 closed sales. Oakland again led the board by a wide margin with 65 new on 719 active; Fremont added 30 new on 328 active.

Fremont & Milpitas

• Fremont: 30 new / 328 active
• Milpitas: 8 new / 123 active

I-880 Corridor

• Hayward: 16 new / 265 active
• Newark: 9 new / 115 active
• San Leandro: 11 new / 90 active
• Union City: 6 new / 75 active
• San Lorenzo: 0 new / 18 active

Tri-Valley

• Livermore: 19 new / 213 active
• Dublin: 12 new / 195 active
• Pleasanton: 13 new / 150 active
• San Ramon: 9 new / 186 active

Oakland & Contra Costa

• Oakland: 65 new / 719 active (volume leader)
• Danville: 29 new / 183 active
• Castro Valley: 7 new / 89 active
• Sunol: 1 new / 10 active

S&P 500: 7,515 ▼ 0.79%  |  DOW: 52,498 ▼ 0.26%  |  NASDAQ: 25,873 ▼ 1.55%

Stocks pulled back to start the week, with all three major indexes in the red and the NASDAQ leading the decline. The week's marquee event is earnings: traders are loading up on options in Netflix (NFLX +0.63%) ahead of its report later this week, and the big banks begin reporting today.

AI spending kept rolling despite the jitters. Intel (INTC -6.12%) plans to spend $5.6 billion on a new chip plant in Ireland, and Meta (META -1.86%) is building a roughly $50 billion data center in Louisiana. In fintech, Robinhood (HOOD -1.88%) is issuing $400 million in bonds backed by card payments to grow its credit card business without tapping its own cash.

US 10-Year: 4.61% ▬ 0.00%  |  Gold: $4,085 ▲ 1.5%  |  Silver: $58.00 ▼ 1.4%  |  Brent: $84.07 ▲ 0.92%

Americans are leaning harder on plastic. More households are putting everyday costs, even groceries, on credit cards and falling behind. The share of borrowers missing a minimum payment climbed to 8.7% in 2025 from 7.1% in 2023, as food prices sit about 32% higher than five years ago while real wages have slipped. Total card balances are now at a record $1.27 trillion. Since consumer spending drives most of the economy, a stretched cardholder is a warning light worth watching.

In the markets, the 10-year Treasury held at 4.61%. Gold rebounded about 1.5% to $4,085 after the latest inflation reading, while silver fell 1.4% to about $58.00, near a seven-month low as Middle East tensions weighed on the more industrial metal. Brent crude firmed 0.92% to $84.07 as a possible Strait of Hormuz toll and blockade kept oil markets on edge.

BTC: $62,327 ▲ 0.10%  |  ETH: $1,776 ▲ 0.23%  |  XRP: $1.06 ▼ 0.20%

Crypto was mixed but quiet, with Bitcoin up 0.10% to $62,327, Ether up 0.23% to $1,776, and XRP down 0.20% to $1.06. The attention-grabber was a role reversal: Strategy (MSTR -2.68%), long the loudest corporate Bitcoin buyer, sold about $466 million of its own stock this week and bought no Bitcoin, lifting its cash reserve to roughly $3 billion. On the policy front, President Trump is pushing the Senate to pass the CLARITY Act, which would set clearer rules and oversight for crypto.

Disclaimer: The market data, rates, and information provided are for informational purposes only and should not be considered financial advice. Always verify rates and data with your lender or financial advisor before making any decisions.