📊 Bay Area Real Estate Market Update — November 2025

It’s a tale of two economies in the Bay Area. While the stock market hits record highs and mortgage rates dip to their lowest point since early 2024, ongoing tech layoffs are creating uncertainty for entry-level buyers and younger professionals.

In this month’s report, Spencer Hsu, a top 0.5% real estate agent in the U.S., breaks down how these conflicting trends are shaping the local housing market — from shifting affordability to renewed demand in the mid-tier segments.

In this video, we analyze:

📈 The Split Economy: How record stock performance boosts high-income buyers, while layoffs and inflation pressures keep first-time buyers cautious.

🏘️ County Highlights: Why Santa Clara and San Mateo continue to drive price resilience, while Alameda and Contra Costa show more buyer sensitivity.

💰 Price & Inventory Insights: How November’s listings, closings, and price trends compare to 2024 — and where we’re seeing opportunity for entry-level buyers.

🏦 Rates & Buyer Confidence: With 30-year fixed rates hovering near 6.1%, we look at how refinancing talk and buydowns are impacting buyer psychology.

💼 Tech & Employment: How ongoing Bay Area layoffs are affecting demand, and why some micro-markets are still outperforming despite job volatility.

💹 Stock Market Wealth Effect: What record highs in NVIDIA, Apple, and Meta mean for homebuyer activity and confidence across Silicon Valley.

🔑 Key Takeaways:

✅ Despite layoffs, home prices remain higher than 2024, with demand strongest in move-in-ready and entry-level listings.

✅ High-end listings are sitting longer, while well-priced homes under $1.5M are still moving quickly.

✅ Stock wealth and lower rates are driving renewed confidence among tech professionals returning to the market.

✅ Sellers who list before the holidays still hold leverage in low-inventory neighborhoods.

💡 Pro Tips for Buyers & Sellers:

🏠 Buyers: Use this period of softer competition to secure better terms or rate buydowns.

📆 Sellers: Don’t wait for spring — motivated buyers are already shopping before year-end.

📊 Investors: Look for price stabilization zones and high-rental-demand suburbs heading into 2026.

📞 Ready to Make a Move?

Contact Spencer Hsu for a personalized Zoom strategy call to plan your next steps in the Bay Area real estate market.

📅 Book your call: https://calendly.com/spencerhsure

📞 Call / Text: (408) 547-4590

📧 Email: spencer@spencerhsu.com

🌐 Website: www.homesbyspencerhsu.com

💥 Follow for More Market Insights

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