Selling Sacramento: Market Clarity with Agent Kee

Nearly 700 homes are proposed across two Sacramento-area projects, but they are not 697 homes ready for occupancy.

Agent Kee examines Sacramento City Council’s October 27 approval of financing authorizations for 198 income-restricted Q Street apartments, including a conditional $2 million loan and authority to pursue up to $38 million in tax-exempt bonds.

She also covers the 499-home Summer Villas at Sheldon proposal, which faces a November 5 Elk Grove hearing and staff recommendation for denial.

From Selling Sacramento on 97.5 FM KDEE, October 28, 2026. Read the article at https://www.agentkee.com/blog/nearly-700-homes-proposed-in-sacramento-and-elk-grove-will-they-get-built/

Proposition 43 would change how many votes certain local taxes need to pass. Agent Kee explains what the measure does, what a yes and a no vote mean, and who stands on each side, then walks through Sacramento City Unified's Measure M parcel tax: the cost, the exemptions, and the arguments, so you can decide for yourself before November 3. Aired October 21, 2026 on 97.5 FM KDEE. Read the full post here.

Thinking about selling a rental property? Agent Kee answers the seven questions rental owners ask most about the 1031 exchange: what qualifies, the 45-day and 180-day deadlines, why you cannot hold the sale money, how cash and debt can trigger tax, and what California requires if you buy out of state. Plain-English education, not tax advice. Aired October 21, 2026 on 97.5 FM KDEE. Read the full post here.

Fewer buyers are signing contracts, rates are above 7%, and Sacramento has more homes for sale. So why are prices holding? Agent Kee walks through the September numbers for Sacramento, Placer, and El Dorado counties, explains months of inventory and absorption rates, and shows how to read the negotiating position in your own neighborhood. From Selling Sacramento on 97.5 FM KDEE, aired October 21, 2026. Read the full post here.

The California FAIR Plan’s average rate increase of 29.1% applies to policies at their first renewal on or after October 15, 2026. Agent Kee explains how insurance costs affect homeowners and buyers in El Dorado Hills, Cameron Park, Placerville, Auburn, and the surrounding foothills. She covers three effects: your monthly payment, how much you can borrow, and how foothill homes sell. She works through the math on three sample premiums and gives five steps to take before you pay your renewal.

Selling Sacramento: Market Clarity with Agent Kee airs live Wednesdays from 1:00 to 2:00 PM on 97.5 FM KDEE, the Soul of Sacramento™.

To review how insurance affects a purchase or sale you are considering, Chat with Kee: https://calendly.com/mcrghomes/chat-with-kee

Suzette Loggins joins Agent Kee to discuss Downtown Roseville, which is actively recruiting businesses, and how to judge whether any commercial location fits your plans. Suzette shares her seven-question checklist for evaluating a space. Kee adds ten lease questions to ask before you sign. The conversation also covers the City of Roseville’s published downtown incentives, including the Downtown Development Impact Fee Credit Program and the façade improvement rebate, and the Downtown Roseville Business Opportunity Preview on Thursday, October 29, 2026. Register at luma.com/z39padd7.

Selling Sacramento: Market Clarity with Agent Kee airs live Wednesdays from 1:00 to 2:00 PM on 97.5 FM KDEE, the Soul of Sacramento™.

To talk through a location decision, Chat with Kee: https://calendly.com/mcrghomes/chat-with-kee

Mortgage rates are more than a full point higher than a year ago, and more borrowers are considering adjustable-rate loans to lower their starting payment. Agent Kee compares a fixed rate against an adjustable rate on a $440,000 loan. She shows the monthly savings in the first seven years and the payment at a rate reset and at a lifetime cap. She also walks through six questions drawn from the Consumer Financial Protection Bureau’s handbook on adjustable-rate mortgages, so you can test any loan offer yourself.

Figures cited are Freddie Mac’s 30-year average of 7.40% for the week of October 8, 2026, and the Federal Reserve’s September 16 rate decision.

Selling Sacramento: Market Clarity with Agent Kee airs live Wednesdays from 1:00 to 2:00 PM on 97.5 FM KDEE, the Soul of Sacramento™.

To walk through your own numbers, Chat with Kee: https://calendly.com/mcrghomes/chat-with-kee

Two housing measures are on your November 3 ballot. Agent Kee explains what Proposition 1 and Proposition 37 would each do, who would qualify, what each would cost, and what remains unknown, so you can decide for yourself.

She also shows what a 30-year rate of 7.28 percent, the Freddie Mac average as of October 1, 2026, does to the monthly payment on a Sacramento-area home whose price has barely moved in a year.

She walks through what a lender sees in your credit and your debt before you apply. And she explains how to read your 2026–2027 property tax bill, how to tell whether your assessed value deserves a free review, and which deadlines to mark.

Figures are as of the October 7, 2026 broadcast. Rates and market data change weekly.

Correction note (final, used in the audio intro and the description):

Before we get into today's show, I want to make a few clarifications from this week's broadcast.

First, Proposition 37 does not require you to be a first-time homebuyer. You must be the first purchaser of a newly built home and meet the program's income and down payment requirements. That means current homeowners may qualify.

Second, Proposition 1 would allocate $1.1 billion toward homeownership.

And two quick points from our market discussion: In July, homes in Sacramento County and West Sacramento sold, on average, for 98 percent of their original asking price.

And when your property's assessed value goes down, your property tax bill may go down as well. Your tax rate stays the same.

Accuracy matters, especially when you're making decisions about real estate. My commitment is to give you information you can understand and use.

Now, let's get into the show.

To talk through your own situation, schedule a time with Kee: Chat with Kee

Keisha "Agent Kee" Mathews, Broker, Mathews & Co. Realty Group, CA DRE #01439130

Chapter markers (from your Filmora SRT of the edited episode, 49:36 total; re-check only if you re-record lines)

• 01:00 Introduction and this week's three matters
• 03:55 Mortgage rates: Freddie Mac's weekly survey
• 05:13 The Fed's September decision
• 05:59 The 10-year Treasury yield and the jobs report
• 07:41 Home prices in Sacramento, Placer, and El Dorado counties
• 09:57 What months of inventory tells you
• 11:00 Same price, higher rate: the monthly math
• 12:35 Affordability in our three counties
• 13:35 Renting, local jobs, and selling
• 16:07 How to measure what a home costs you
• 18:07 Your November 3 ballot
• 19:43 Proposition 1: the housing and veterans bond
• 23:34 Proposition 37: the new-home loan program
• 25:41 How the Proposition 37 structure could work
• 27:56 Who Proposition 37 would and would not reach
• 29:21 Five questions for evaluating any housing measure
• 31:00 Summary of both measures
• 32:20 Your credit and your debt before you apply
• 33:30 What households are carrying
• 35:59 What a quarter point costs, and credit utilization
• 38:21 Your 2026–2027 property tax bill
• 39:17 How your assessed value is set
• 41:26 When market value falls below assessed value
• 43:51 A worked example
• 45:14 Estimating property tax when you buy
• 46:40 Reading the rest of your bill
• 47:41 Property tax deadlines
• 48:46 Summary of the hour

Mortgage rates crossed 7%. Elk Grove approved a second homebuyer assistance program. California signed new housing laws, including a pilot that names Sacramento County. State Farm and Allstate filed to return to the homeowners market. Agent Kee explains what each change means for buying, owning, and selling a home in the Sacramento region.

Show notes

• Market check: Freddie Mac's 30-year average reaches 7.03%, and how to compare lender quotes

• Segment 1: Elk Grove's existing 80% AMI program and its new 81% to 120% AMI program, what we know, and how to prepare

• Segment 2: The September 29 housing package, read through the costs of building: land, construction, fees, time, and financing

• Segment 3: State Farm and Allstate's filings, why availability is not affordability, and insurance preparation for buyers and sellers

• Extended: How deferred assistance loans affect your equity, and how to read housing statistics

Schedule a conversation at AgentKee.com. Selling Sacramento airs live Wednesdays 1 to 2 PM on 97.5 FM KDEE, the Soul of Sacramento™.

The Federal Reserve raised rates on September 16, 2026, for the first time since 2023, and mortgage rates are now near 7 percent. On this episode of Selling Sacramento, we talk through what that means for you, what California Proposition 37 on the November 3 ballot would actually do, and where the Sacramento housing market stands right now.

In this episode:

• Does a Fed rate hike raise mortgage rates? Why mortgage rates follow the bond market, and what the Fed does affect directly, including credit cards and home equity lines of credit.
• How much a higher rate adds to a monthly payment on a Sacramento County median-priced home.
• What you control when rates rise: your credit, your debt, your loan type, how you compare lenders, and what you negotiate.
• What is California Proposition 37? How the proposed $25 billion CalHFA homebuyer loan program would work, who qualifies, and which homes are eligible.
• Why Proposition 37 is a loan, not a grant, and why it does not apply to existing homes.
• Down payment affordability and monthly payment affordability are two different problems. Which one Proposition 37 addresses.
• Sacramento County's August 2026 numbers: a $549,000 median price, flat from a year ago, with homes selling in a median of 25 days. Plus Placer and El Dorado counties.
• What sellers should do this fall, including how a rate buydown credit compares with a price reduction.
• Where buyers have room to negotiate.

A note on timing: This episode aired live on September 23, 2026, when the Freddie Mac 30-year average was 6.95 percent. On September 24, it rose to 7.03 percent.

Read the full written breakdown:https://agentkee.com/blog/california-proposition-37-fed-rate-hike-sacramento-housing-august-2026

Talk through your own numbers: Chat with Kee

Listen live every Wednesday, 1 to 2 PM: 97.5 FM KDEE, the Soul of Sacramento | www.kdeefm.org/listen-live

Sources: Federal Reserve; Freddie Mac Primary Mortgage Market Survey; California Association of REALTORS® August 2026 Home Sales and Price Report; California Secretary of State Official Voter Information Guide; Legislative Analyst's Office.

Selling Sacramento: Market Clarity with Agent Kee is a weekly real estate radio show hosted by Keisha "Agent Kee" Mathews, broker and owner of Mathews & Co. Realty Group, airing live Wednesdays from 1 to 2 PM on 97.5 FM KDEE in Sacramento.

Keisha "Agent Kee" MathewsBroker | Real Estate Economist | Strategic AdvisorMathews & Co. Realty Group | CA DRE #01439130 | #02015028