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Housing Market Savvy

Housing Market Savvy

Written by: Pat Kapowich
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Housing Market Savvy with Pat Kapowich: Real Data. Real Experience. Real Market Intelligence.


Navigate the Bay Area real estate market with veteran Realtor® Pat Kapowich, the "Market Wise" columnist for the Mercury News and Bay Area News Group. Since 1988, Pat has guided hundreds of clients through every type of market cycle across five counties in the San Francisco Bay Area—from the savings and loan crisis, the dot-com boom and bust, to the 2008 housing crash and the pandemic surge.


As a Certified Real Estate Brokerage Manager (CRB) and Certified Trust and Probate Specialist (CTPS), along with holding additional designations such as CRS, ABR, GRI, and SRES, Pat translates complex market trends into actionable insights for homebuyers, sellers, and property owners. Pat is your trusted source for housing intelligence, based in his hometown in the heart of Silicon Valley.


Pat Kapowich | Kapowich Real Estate Market Intelligence | SiliconValleyBroker.com | CalDRE Broker #00979413

© 2026 Housing Market Savvy
Economics
Episodes
  • San Francisco Bay Area Bay Area Housing Market: 9 Counties Analyzed - November 2025 | Pat Kapowich
    Jan 22 2026

    Title: Bay Area Housing Market: 9 Counties Analyzed - November 2025

    Description:

    The San Francisco Bay Area doesn't have one housing market—it has nine. California Real Estate Broker Pat Kapowich breaks down November 2025 single-family home data across all nine Bay Area counties, revealing which markets favor buyers, which demand competitive offers, and where the real opportunities exist.

    What You'll Discover:

    • San Francisco's inventory crisis: Only 135 active listings, homes selling 15% above asking in 31 days
    • The Tale of Two Markets: Silicon Valley's 11-day sales vs. Napa's 96-day marketing time
    • Price Winners & Losers: San Francisco up 12.6%, Marin down 9.5%
    • Where Buyers Have Leverage: Solano County's 49% price reduction rate vs. San Francisco's 14%
    • County-by-County Breakdown: Median prices from $580K (Solano) to $2M (San Mateo)

    Key Insights: Every Bay Area county tells a different story. Pat analyzes closed sales, active inventory, days on market, list-to-sale price ratios, and price reduction trends to help you understand exactly what's happening in YOUR target market.

    Whether you're buying in Contra Costa, selling in Santa Clara, or investing in Alameda—this data-driven analysis gives you the market intelligence advantage.

    📊 Data Source: California Association of REALTORS® (C.A.R.)
    November 2025 Existing Single-Family Home Sales Report

    Note: This report covers existing single-family home sales (pre-owned homes), not new construction.

    Disclaimer: This analysis is for informational purposes only and does not constitute financial, legal, or investment advice. Real estate markets vary by location. Consult with a licensed real estate professional for personalized guidance.

    Pat Kapowich, CalDRE #00979413
    Certified Real Estate Brokerage Manager (CRB)

    https://www.siliconvalleybroker.com/

    Pat@SiliconValleyBroker.com


    Consumer-Protection and #HomeSellingTips

    https://www.youtube.com/PatKapowich


    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 Pat@SiliconValleyBroker.com. 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

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    15 mins
  • Laws That Didn't Get Much Attention: The Home Flipper Disclosure Law (AB 968)
    Jan 1 2026

    What happens when decades of real estate mastery meet a law most agents have never heard of? You get this episode.

    Pat Kapowich has guided home buyers and home sellers through every imaginable market cycle—and delivered results that speak for themselves. His home seller clients achieve a median of just 9 days on market for single-family homes and 8 days for condo/townhome listings. That kind of performance doesn't happen by accident. It reflects a strategic, client-focused methodology built over a career.

    Now, Pat is sharing the insights that set him apart.

    • In the first episode of "Laws That Didn't Get Much Attention," Pat breaks down AB 968—the flipper disclosure law that went into effect July 1, 2024. If you're buying a recently renovated home, this law gives you rights to contractor information, permit documentation, and detailed work disclosures that could save you tens of thousands of dollars.

    Pat also explains why the California Association of Realtors recommends applying this law to ALL 1-4 unit residential properties—not just single-family homes.

    What you'll learn:

    • The 3 disclosure requirements under AB 968
    • The 18-month ownership trigger
    • Why the $500 contractor threshold catches almost all renovation work
    • 4 action steps for home buyers
    • Advice for home sellers: when in doubt, disclose

    DISCLAIMER: This podcast is for educational and informational purposes only and does not constitute legal, financial, or professional advice. Consult qualified professionals regarding your specific situation. Laws are subject to change.

    REFERRAL DISCLOSURE: Need a Realtor outside my service area? I personally locate, vet, and interview agents before recommending them—so you get a credentialed professional, not a random name. Referral fees may apply and are paid by the receiving agent, not you.

    Resources:

    • AB 968 (full text): https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202320240AB968
    • California Association of Realtors: car.org
    • California Department of Real Estate: dre.ca.gov
    • Pat Kapowich: 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 Pat@SiliconValleyBroker.com. 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

    Show More Show Less
    16 mins
  • August 2025 San Francisco Bay Area Housing Market Analysis: Single-Family Home Trends Across All Nine Counties
    Nov 17 2025

    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 Pat@SiliconValleyBroker.com. 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

    Show More Show Less
    15 mins
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