July 2026 in San Clemente, in brief: a typical value of $1,729,408 in ZIP 92672, +6.2% against a year ago and +0.99% on the month. The regional gauge finished the month at “Leans buyers” (55/100).
The month in brief
- Homes for sale: 95 in ZIP 92672, lower than 141 a year earlier.
- Price cuts: 20% of listings, against 19% the month before.
- Market temperature: 66 out of 100 (higher means more competition), against 64 the month before.
- Mortgage rates: the Freddie Mac 30-year averaged 6.54% in July 2026, against 6.49% the month before.
If you are buying
- The number of listings was close to last year’s, so know your budget and your must-haves before you tour.
- Budget the whole payment: a typical $1,729,408 home at 6.54% costs about $8,783 in principal and interest alone.
If you are selling
- About 20 in 100 listings needed a price reduction. Starting at the right price avoids chasing the market.
- Your home’s own features decide its price. A personal report from Rudy compares it with the nearest sales.
Public data can tell you a lot about an area and nothing about a particular house. Treat this as background, and see the market reports for the longer history.