Ada County Housing Market, Week of October 12, 2026

Ada County Market Pulse

Week of October 12 · from Brooke Belanger's team

This week's lean

Buyers gained ground this week.

Sellers held their asking prices. Buyers signed for less. When only one side moves, the market is telling you who blinked.

What moved · resale · vs last week

The full board · vs last week

Signed = went under contract. Days = median time on market for listings, or median time to contract for signed. Exact figures in the story below.

Something shifted this week. The recent story has been about prices easing. This week the asking numbers climbed on both sides of the market, while the offers buyers actually signed told a very different story.

Here is what stood out.

New home asking prices jumped, but accepted offers held steady

The typical price on a brand new, never-occupied home rose to $599,900, up $11,461 for the week. That is the largest price jump on the whole board. Builders also widened the selection to 515 for sale, 36 more listings than the prior week, so shoppers have extra plans to weigh and a higher number to negotiate down from.

Now the honest part. New homes that went under contract settled at $580,076, up only $311. Accepted offers barely moved even as the shelf price leaped. The homes for sale have been on the market a median of 63 days, and the ones that reached a signed contract needed 59 days to get there, six days slower than the week before. When new homes take this long, builders stay willing to deal. If a new build appeals to you, ask what they will bend on price and financing. There is usually something to work with.

Resale buyers signed well under the asking numbers

Asking prices on resale homes edged up to $626,950, a gain of $2,610. Sellers reached a little higher.

Then look at what buyers committed to. Resale deals signed this week landed at a median of $540,050, down $6,870. That is the biggest downward move anywhere in the county this week, and it shows buyers agreeing to numbers well below the asking. Fewer of them stepped up, too, with 441 homes under contract, 11 fewer than last week.

Speed still rewards a fair price. Resale homes reached a signed contract in a median of 17 days. If you are listing, that accepted-offer figure is the one that tells the truth, not the sticker on the sign.

Rates are the weight sitting behind the gap

The 30-year fixed mortgage averaged 7.4% as of October 15, per Freddie Mac. At that level, every dollar of price swings the monthly payment harder than it used to. That pressure is exactly why asking prices and agreed-upon prices sit so far apart, and why builders reach for incentives to bridge it.

For buyers, pricier financing means more room to negotiate, since homes move slower. For sellers, the market sets the price, not the wish list.

None of this calls for a rush either way. Buyers, nail down your must-haves and line up a lender who can act fast. Sellers, price to what buyers are truly paying right now. And if you want to see how these numbers fit your own plans, I am always happy to talk it through.