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Featured local agent — Palomar Mountain, CA
Sarah Mitchell
Compass Real Estate · Palomar Mountain, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Palomar Mountain, CA Housing Market
The typical home in Palomar Mountain, CA is worth $416,182, fell 3.6% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $565,000 (through May 2026). With homes going under contract in about 16 days, Palomar Mountain is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $416,182 home is about $2,140/mo in principal and interest.
Key numbers for Palomar Mountain, CA
Typical home value
$416,182
-3.6% in 12 months
Zillow, July 2026
Median sale price
$565,000
Last published period
Redfin, through March 2026
Days on market
16
Fast-moving
Redfin, through March 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through March 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Palomar Mountain a buyer's or seller's market?
Palomar Mountain, CA is a balanced market and homes selling in about 16 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Palomar Mountain housing market data show?
Every row below is Redfin's final published month for Palomar Mountain, CA. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $565,000 |
| Median price per sq ft | $414/sq ft |
| Median days on market | 16 days |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Palomar Mountain is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Palomar Mountain is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Palomar Mountain home prices moved?
Across the 7 months we hold for Palomar Mountain, CA, the median sale price rose 32.9%, from $425,000 in April 2021 to $565,000. The live Zillow value series has fell 3.6% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Palomar Mountain?
Priced off the typical home value of $416,182 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $83,236 | $332,946 | $2,140/mo |
| 5% | $20,809 | $395,373 | $2,541/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,140, that implies roughly $91,697 a year before you add taxes and insurance. We do not hold a Census income figure for Palomar Mountain, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Palomar Mountain in the next 12 months?
Tell us your timeline. We send the Palomar Mountain market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Palomar Mountain?
Zillow does not publish a rent index (ZORI) for Palomar Mountain, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Palomar Mountain?
We hold fewer than two months of inventory readings for Palomar Mountain, CA, so there is no trend to report yet.
How does Palomar Mountain compare to California and the U.S.?
Palomar Mountain homes sell for $565,000 — 36% below the California median of $887,400. Against the national median of $410,700, Palomar Mountain runs 38% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Palomar Mountain, CA | $565,000 | not published | 16 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Palomar Mountain
What buyers should watch
- The gap between 5% and 20% down here is $401 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $416,182 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Palomar Mountain listing goes under contract in 16 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- Your equity moved -3.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Palomar Mountain varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Palomar Mountain
Explore homes currently listed for sale in Palomar Mountain, California across major real estate platforms.
How much do homes cost in Palomar Mountain by property type?
How the Palomar Mountain, CA market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $565,000 | $414/sq ft | 1 | 16 days |
Which cities are near Palomar Mountain, CA?
Ordered by distance from Palomar Mountain, not by size. Compare Palomar Mountain side by side with any of them.
Palomar Mountain housing market FAQ
Is Palomar Mountain a buyer's or seller's market?
Palomar Mountain, CA is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Palomar Mountain?
The typical home in Palomar Mountain, CA is worth $416,182 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $565,000, about $414 per square foot.
Is Palomar Mountain cheaper than the rest of California?
Palomar Mountain's median sale price of $565,000 is 36% lower than the California statewide median of $887,400, and 38% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Palomar Mountain?
Homes in Palomar Mountain, CA spent a median of 16 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Palomar Mountain?
At the current 30-year fixed rate of 6.66%, 20% down on a $416,182 home is about $2,140 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $91,697 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Palomar Mountain?
The typical home value in Palomar Mountain, CA fell 3.6% over the last 12 months, from $431,934 to $416,182 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Palomar Mountain?
Palomar Mountain ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Palomar Mountain?
That depends on your timeline, not on a headline. What the data says today: Palomar Mountain, CA is a balanced market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $416,182, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.