August 2025 San Francisco Bay Area Housing Market Analysis: Single-Family Home Trends Across All Nine Counties

Why is August the most critical month for understanding where San Francisco Bay Area single-family home prices are really headed?

In this episode, Pat Kapowich—a California Real Estate Realtor® with 37 years of navigating San Francisco Bay Area market cycles—breaks down the latest single-family home data from the California Association of Realtors across all nine San Francisco Bay Area counties.

What You'll Discover:

• Why August single-family home data reveals San Francisco Bay Area market direction better than any other month

• Dramatic county-by-county variations across the nine counties: which single-family home markets show stability vs. substantial price corrections

• Single-family home price trends, sales volumes, and inventory shifts impacting the San Francisco Bay Area

• How 37 years of Bay Area market cycle experience translates raw data into actionable single-family home intelligence

Perfect for: San Francisco Bay Area homebuyers and home sellers, real estate professionals, investors, and anyone making single-family home decisions across the nine counties in this shifting market.

00:00 Introduction to August 2025 Bay Area Housing Market
00:45 Importance of August in Housing Trends
01:29 Expertise and Experience in Market Cycles
02:39 Diving into August 2025 Data
03:08 County-by-County Analysis
04:42 Alameda County Insights
07:24 Contra Costa County Insights
08:43 Marin County Insights
12:07 Napa County Insights
13:46 San Francisco County Insights
15:51 San Mateo County Insights
18:14 Santa Clara County Insights
21:09 Solano County Insights
22:34 Sonoma County Insights
23:35 Key Takeaways and Market Trends
27:32 Conclusion and Further Resources

📊 Get San Francisco Bay Area single-family home data and market reports: SiliconValleyBroker.com

Pat Kapowich, Certified Residential Real Estate Brokerage

California Broker #00979413

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

In this episode of Housing Market Savvy, Realtor Pat Kapowich breaks down the latest housing affordability report from the California Association of Realtors, released August 12, 2025. With only 15% of California households able to afford a median-priced single-family home, Pat explores what this means for buyers, sellers, and the broader market.

Tune in as Pat explains:

• Why affordability dipped from the previous quarter but improved year-over-year
• How elevated interest rates and rising home prices are shaping buyer behavior
• Which counties are the most and least affordable in California
• What condo and townhome buyers need to know
• How California compares to national affordability trends

Whether you're a first-time buyer, seasoned investor, or just housing-curious, Pat delivers insights in his signature clear, consumer-friendly style. Don’t miss this essential update on California’s housing landscape!

🔗 Visit siliconvalleybroker.com for more insights and resources.https://www.siliconvalleybroker.com

https://www.siliconvalleybroker.com/market

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

Pat Kapowich demystifies property disclosures in this compelling episode. He breaks down the five costliest disclosure mistakes that can derail your home sale. From unpermitted renovations to misunderstanding grandfathered structures, discover how proper disclosure creates trust and positions sellers for success. Learn why that initial 'magic in a bottle' moment when your home hits the market should not be wasted with incomplete disclosures. 

Pat shares real-world examples of how proper disclosure leads to faster sales and fewer cancellations, drawing from decades of success where over 50% of his listings sell in 10 or fewer days. 

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

Join Realtor® Pat Kapowich and Title Officer Scott Heisey as they uncover the growing issue of financial elder abuse in real estate. Learn how to spot and prevent these scams.

Special Guest:

Scott Heisey, V.P. Northern California Operations Manager and Underwriter at Stewart Title of California, Inc.

Main Lesson Points from Scott Heisey's Interview:

1. The exponential rise in elder financial abuse is due to the increasing elderly population.
2. Caregivers are becoming primary abusers of seniors' finances.
3. Red flags in property transactions that indicate potential elder abuse.
4. The importance of involving family members in real estate transactions involving elders.
5. The role of title companies in preventing fraudulent transactions.
6. The impact of forged or fraudulent legal documents on elder property sales.
7. There is a need for proper vetting and monitoring of caregivers.
8. The significance of wild deeds as indicators of fraud.
9. The misuse of powers of attorney in elder financial abuse.
10. The role of notaries in ensuring the legitimacy of documents.
11. Financial elder abuse often goes unreported or unnoticed.
12. Strategies for real estate professionals to protect elderly clients.

#ElderAbuse #RealEstateFraud #ProtectSeniors #FinancialSecurity #RealEstateTips #Realtor #HomeBuying Tips #HousingTrends

Scott M. Heisey

V.P. Northern California Title Operations Manager

Stewart Title of California, Inc.

http://www.stewart.com
[email protected]

View another interview with Scott M. Heisey

V.P. Northern California Title Operations Manager

View here:

https://youtu.be/gIfglMTqqas?si=CDSOC5-S8rddk4Gz

Host:

Realtor® Pat Kapowich, Kapowich Real Estate

Part Art. Part Science. Kapowich Excels at Negotiations.

📞 Contact Me:

📍 Sunnyvale, California 🌞 📞 Office Landline: (408) 245-7700 🌐 www.SiliconValleyBroker.com

🔑 Industry Accreditations:

Graduate, Realtors® Institute

Seniors Real Estate Specialist

Certified Residential Specialist

Accredited Buyer Representative

Certified Trust and Probate Specialist

Certified Residential Real Estate Brokerage Manager

🔗 California Real Estate Broker License #00979413

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

In this pivotal episode of "Housing Market Savvy," we're applauding two monumental developments in the real estate sector.:

First, dive into the FCC's latest Telephone Consumer Protection Act amendment, a significant move that reshapes lead generation in real estate and mortgages. Discover how this change aims to seal the 'lead generator loophole' and what it means for industry professionals and consumers. 

Then, shift gears to a groundbreaking legislative proposal in Congress, seeking to ban hedge funds from buying and owning single-family homes in the U.S. This bill addresses crucial issues of housing affordability and market accessibility. 

Join host Pat Kapowich and stay tuned for an episode packed with critical updates and professional analysis!


Host:
Realtor® Pat Kapowich
Certified Residential Real Estate Brokerage Manager |Certified Trust and Probate Specialist
Broker #00979413
Kapowich Real Estate

Office: 408-245-7700; [email protected]
https://www.siliconvalleybroker.com/

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

In California real estate, square footage truly matters, but only sometimes in the ways you'd expect. 

"Beyond the Numbers" dives deep into the rising legal disputes surrounding incorrect square footage in home listings. 

How can you ensure the numbers match reality, whether selling or buying? Join us as we unpack the importance of professional assessments, the role of transparency in listings, and the tools at your disposal to verify property measurements. 

We will provide actionable steps for sellers and buyers, ensuring a smooth and honest transaction. Equip yourself with knowledge, avoid potential pitfalls, and confidently navigate the intricacies of square footage in today's real estate market.

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

This podcast episode will review the fundamental concept of contingencies in real estate transactions.

Listeners will understand contingencies, why they are essential, and how they function in residential real estate sales.

This episode will lay the foundation for a wide-ranging understanding of contingencies and their role in ensuring a smooth and protected real estate transaction process.

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

Want To Learn About Lending Issues in this Housing Market? 

• Use These Real Estate Loan Strategies and Techniques to Achieve Smoother Home Sales.
• I have been interviewing real estate industry experts for 25 years.
• During that time, I have shared tips, mistakes, and examples from industry leaders. 

TJ Roberts has mastered all residential real estate lending levels for over 25 years. She has invested so many hours into her craft that I must share her knowledge with you.

Topic #1: Fixed Rate vs. Adjustable Rate Home Loans

Three different types of lenders:

• Banks
• Mortgage Brokers
• Portfolio Lender

Topic #2: Representing Homebuyers

Seller Concessions:

• Seller Contributions
• Buying Down the Interest Rate
• Pre-Paid Interest = Points
• Closing Costs  
• Alternative to Lowering List Price

Topics #3: Buydown the Interest Rate

• Permanent Buy Down
• Temporary Buy Down
•  Available on Fixed or Adjustable Loans 

Topic #4: Types of Loans

• Government Loans
• Veteran Home Loan Benefit
• Conventional Loan
• Jumbo Loans
• Conventional Loans

Topic #5: Mortgage Insurance 

• Monthly Mortgage Insurance (MMI)
• Private Mortgage Insurance (PMI)
• Not a Penalty. It is a Real Benefit

Topic #6: Interest Rate Lock

• When to Lock the Rate
• 30, 45, or 60 Days

Topic #7: Seller Contributions for Selling

• Increase Buyer Pool
• Fewer Days on market
• Better than Price Reductions
• In a Rising Interest Rate Market
• What Closing Costs

Topic #8: Loan Application Process

• Hard Pull Credit Reports
• Soft Pull Credit Reports
• Opt-Out Website
• Secured Portal
• Loan Processor
• Loan Underwriter

Topic #9: Appraisals

• Estimate of Value
• Trailing Indicator
• Recent Closed Sales
• Bracketed Value

Topic #10 Monies

• Earnest Money Deposit
• Balance of Down Payment

Topic #11: The Escrow Process

• Escrow Office
• Escrow Officer
• Title Officer
• Title Insurance

Topic # 12 Gift Money

• Change in Guidelines
• Borrowing from 401K
• Overseas Funds

Topic #13: Condition of Properties

• Presale inspections and Repairs
• Veteran's Administration
• Lenders follow the Contract
• Escrow Holdback

Topic #14: Mobile vs. Modular

• City Charter
• Entry Level
• Exit Housing
• Lending Differences
• Space Rent 
• Type of Foundation
• Consumer Loan in Park
• Real Estate Loan on Land Owned

TJ Roberts, Branch Manager

Mortgage Loan Officer 1457455

Email:   [email protected]

Office: 408-660-3484

Direct: 408-802-8522

1

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

It's no secret that sellers often need to offer mortgage points to potential buyers to sell a home. 

• What many people don't realize, however, is that even if you're the homebuyer, it's sometimes worth your while to pay points too. 
• How do rising interest rates impact the market?

Let's examine why paying points might be a good idea in today's market.

1. What is a point, and why do sellers pay them?
2. How does buying down the interest rate work?
3. What are the benefits of buying down the interest rate?
4. What are points and how do they work when buying a home?
5. When is it a good idea to buy down the interest rate?

Special Guest:

Tanja “TJ” Roberts has been in lending since 1986, starting as a summer job that has been a wonderful endless summer.  She has worked in many facets of the industry including: Underwriting, Closing, Escrow, Appraisal, Corporate Training, Account Executive for Wholesale, Branch Sales Manager, District Sales Manager, Mortgage Loan Originator and Branch Manager for Retail Branch.

[email protected]

408-802-8522

License CA-DBO1457455

NMLS# 1457455

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market

Are you seeking the latest legal insights from an experienced real estate attorney regarding common post-pandemic disputes?

Real Estate Attorney Anthony Ventura has you covered! Get the insider scoop on:

1. Agent Mistakes
2. Non-disclosure cases
3. Boundary cases,
4. Partition cases
5. Specific Performance cases
6. Deposit disputes
7. Foreclosures
8. Short sales
9. Home Flippers 
10. Inspector Mistakes 

• Take advantage of this informative video on what a real estate attorney can share about post-pandemic disputes.

Special Guest:
Real Estate Attorney Anthony F. Ventura
Ventura Hersey & Muller, LLP
Tel (408) 512-3022   
[email protected]
https://venturahersey.com/

Host: Realtor® Pat Kapowich

Realtor Pat Kapowich isn't just any agent; he's a Certified Trust and Probate Specialist, a Certified Real Estate Brokerage Manager, and has been a staunch advocate for consumer protection throughout his career.

Rooted in the vibrant heart of Silicon Valley, Pat operates out of his hometown, Sunnyvale, California. Reach out to his office at 408-245-7700 or drop him an email at [email protected]. License: Broker# 00979413.

For up-to-the-minute housing market data tailored to your locality, access Pat's website for complimentary, real-time pricing and trend insights: https://www.siliconvalleybroker.com/market