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The Insider Brief

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Palm Springs Is One of the Most Compelling Places to Own Property in America. It's Also One of the Most Complicated.
Palm Springs Is One of the Most Compelling Places to Own Property in America. It's Also One of the Most Complicated.

There is a version of Palm Springs that exists in the imagination of almost everyone who has been there. The version with the afternoon light going golden over the San Jacinto Mountains, the pool shimmering behind a wall of bougainvillea, the mid-century rooflines clean against a cloudless sky. It's a powerful image. It's also real — and that's part of what makes this such a complicated city to think about clearly when you're considering whether to own property there.

Because the version in the brochure and the version you'd actually be living in are the same city, which means both are true at once. Palm Springs is genuinely extraordinary. It's also genuinely extreme. The buyers who navigate it best are the ones who can hold both of those things in their head simultaneously — who fall in love with the place without losing sight of what it actually demands.

That's what this piece is for.

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The Spring Market Is Here — And It Looks Different Than You Think
The Spring Market Is Here — And It Looks Different Than You Think

Spring is traditionally the most active season in residential real estate, and 2026 is shaping up to be no exception — with some important caveats.

Buyer demand is real. Listing views are running 32% higher year-over-year. Mortgage rates are ticking down after a volatile March. Inventory is the highest it's been in years, with 1.23 million homes for sale nationally. By almost every measure, this is the most opportunity-rich buying environment since 2019.

And yet: 40% of buyers and sellers say they're concerned about a potential housing market crash, according to recent survey data.

That anxiety is understandable. But the data doesn't support it. What economists are consistently describing is a rebalancing — not a collapse. Prices are up just 0.4% year-over-year nationally, not spiking or crashing. The market that was wildly tilted toward sellers for three years is finding equilibrium.

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A Record 34% of Home Sellers Just Cut Their Prices. Here's Why That's Good News for Buyers.

Redfin reported last week that a record 34% of home sellers cut their list price in February 2026. That's not a crash. That's a correction — and for buyers who are prepared, it's an opening.

The pandemic-era seller's market, where homes went for well over asking in days with no contingencies, has given way to something considerably more balanced. Buyers have more inventory to choose from, more time to make decisions, and more leverage to negotiate than they've had in years. Nationally, active listings are up 4.2% year-over-year, and it's the 28th consecutive month of annual inventory growth.

What this actually signals

Price reductions at scale don't mean values are collapsing. They mean sellers who overpriced — either based on outdated comps or wishful thinking — are adjusting to reality. For buyers, this creates a real opportunity, particularly in markets where 2022 and 2023 list prices were aspirational rather than grounded.

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Mortgage Rates Just Dipped Again — What That Actually Means If You're Planning a Move

Freddie Mac reported the 30-year fixed mortgage rate at 6.30% as of April 16 — down from 6.37% the week prior and meaningfully lower than the 6.83% recorded a year ago. Small movements on paper. Real impact in your monthly payment.

Here's a quick way to put that in context: on a $1.2 million home with a 20% down payment, the difference between a 6.83% rate and a 6.30% rate is roughly $375 per month. Over a year, that's $4,500. Over the life of the loan, the math gets considerably more interesting.

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Palm Springs Is Having a Moment — Here's What Second-Home Buyers Need to Know
Palm Springs Is Having a Moment — Here's What Second-Home Buyers Need to Know

There's a specific kind of person who buys a second home in Palm Springs. They've usually been going there for years. They love the mid-century architecture, the desert light, the food scene, the ability to leave on a Friday afternoon from LAX or SFO and be poolside before sunset. At some point, they stop renting someone else's house and start thinking seriously about owning one.

If that's where you are right now, the market is giving you something it hasn't offered in a while: time to think.

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