"At a Glance" Local Housing STATS and News 10/19/26

30-Year Fixed: 7.43% +0.06  |  15-Year Fixed: 7.07% +0.03

Bonds set the tone. The 10-Year Treasury closed at 5.15%, up 0.06, and Mortgage News Daily's 30-year rose to 7.43% with the 15-year at 7.07%. The same higher rates pushed the federal interest bill past $1 trillion this fiscal year, as the Economy section shows.

What it costs. On our five city median list price of $1,084,000 with 20% down, principal and interest now run about $6,022 a month, about $35 more than at Friday's 7.37%. Small moves add up on Bay Area loan sizes.

What it means for you. If you are buying, have your rate lock plan ready before you write an offer, so a day like today does not rattle you. With 175 homes across the five cities sitting 60 days or longer, there is still room to negotiate, and if you are selling, pricing to the comps is what brings offers.

Today's count. Board wide: 2,651 listings across the 15 city table, counting active and in contract together, with 139 coming soon and 198 brand new. The five city ledger carries 681 live listings across Fremont, Hayward, Milpitas, Newark and Union City, 608 on the market and 73 coming soon, up from 679.

Fremont holds 227 live listings: 181 active, 27 coming soon, 16 brand new and 3 back on market, with a median on market list price of $1,298,500 at $800 a square foot and a typical listing out 39 days. Hayward carries 191, Milpitas 104, Newark 94 and Union City 65. Across all five cities the median is $1,084,000 at $678 a square foot, 283 homes are priced under a million, and 175 have been sitting 60 days or longer.

S&P 500: 7,690.73 +0.41%  |  Dow: 51,966.03 -0.07%  |  Nasdaq: 26,430.89 +1.11%

Chips led the rebound. Intel rose 2.43%, AMD 1.76% and Nvidia 1.38%, lifting the Nasdaq 1.11% while the Dow finished nearly flat. Netflix reports Tuesday, kicking off a busy earnings week.

Black Monday turns 39. On October 19, 1987, the Dow fell 22.61% in one session, still its worst day; at today's close, a day like that would erase about 11,750 points. Two of the five worst came in March 2020, and the Dow was back above its February 2020 record by that November. This Monday, thankfully, behaved.

10-Year Treasury: 5.15% +0.06  |  Gold: $4,160.10 -0.50%  |  Silver: $57.27 -0.06%  |  Brent Crude: $109.86 +3.72%

The interest bill tops $1 trillion. Net interest on the federal debt reached $1.05 trillion in fiscal 2026, which ended September 30, according to the Treasury's September statement. That is up from $970 billion a year earlier and $241 billion in fiscal 2016, and it equals 19.5% of federal receipts.

Rates do the work. The average rate Treasury pays on its marketable debt is 3.52%, up from 1.47% in September 2021, and the 10-Year closed Monday at 5.15%. Uncle Sam has a rate problem too. Brent here is Friday's settlement, $109.86, up 3.72%; the newsletter had printed $107.99, down 1.69%.

Bitcoin: $81,931 +1.34%  |  Ethereum: $2,398.87 +2.13%  |  XRP: $1.30 +3.18%

Moving with tech. Bitcoin is up 1.34% over 24 hours near $81,950, Ether is up 2.13% and XRP is up 3.18%, live from CoinGecko at 1:34 PM PT.