Bay Area home values are expected to decline gradually, with a 6.1% drop by mid-2026.
San Francisco faces steeper decreases than Sacramento, San Jose, Los Angeles, or San Diego.
Lower mortgage rates in 2026 may boost buyer interest and slow the price slide.
Strong demand, limited inventory, and economic resilience prevent a full market collapse.
Buyers may find opportunities, while sellers should prepare for longer timelines and realistic pricing.