Navigating the Southern California market means understanding what’s really driving our low inventory—and why sellers are holding back. Many homeowners across San Diego and Riverside are weighing the benefits of staying put, thanks to low mortgage rates, property tax protections, and concerns around capital gains taxes. The current $500K exemption for married couples ($250K for singles) after two years of primary residence ownership is a big factor, but with new federal proposals on the horizon—possibly expanding exemptions or adjusting for inflation—we could see real change. If these updates move forward, it may finally ease some of that ‘lock-in’ effect, giving more local owners the confidence to list and move. For those in the 55+ community or handling inherited properties, understanding these shifts is key to making a smart and seamless transition. As always, our approach is grounded in transparency, strategy, and a commitment to maximizing your equity—so you’re ready for what’s next.
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