Ada County Housing Market, Week of October 5, 2026

Ada County Market Pulse

Week of October 5 · from Brooke Belanger's team

This week's lean

An even week in the market.

Asking and signing moved together. Neither buyers nor sellers gained real ground.

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.

Two markets are running side by side in Ada County, and this week they pulled in opposite directions. New builds got cheaper to shop. Resale homes showed a wider split between what sellers ask and what buyers sign for.

Here is what moved.

Brand new homes just got easier on the wallet

The typical list price on a never-occupied home dropped to $588,439, a cut of $13,277 over the week. That is the largest price move on the board, and it tips toward buyers.

Builders also added to the shelves. The for-sale count sits at 479, a gain of 11, so you have more floor plans to compare. Those listings have waited a median of 64 days to find a buyer, four days more than the prior week. When homes linger, builders get motivated.

The under-contract picture barely budged on price. New homes drawing accepted offers landed at a median of $579,765, off just $320. Buyers there needed 53 days to get a deal signed, four days quicker than before. My read: builders have standing inventory and plenty of levers, including rate buydowns, to move it. If a new home interests you, ask what they will flex on price and financing. There is usually something to work with.

Resale sellers aimed higher while buyers settled lower

Asking prices on resale homes nudged up to a median of $624,340, a rise of $3,650. So sellers tested the waters a bit higher.

Then look at the deals buyers actually accepted. Pending resale homes came in at a median of $546,920, down $5,840 for the week. Sellers are reaching up, buyers are landing lower. If you are listing a resale home, the accepted-offer number is the one that tells the truth, not the asking price.

Speed is still on the seller's side where homes are priced right. Resale deals went under contract in a median of 17 days, holding flat. But the number of pending deals fell to 452, a drop of 33 signed contracts, so fewer buyers are committing. Honest pricing carries more weight in a thinner pool.

Rates are the weight behind every one of these moves

The 30-year fixed mortgage averaged 7.4% as of October 8, per Freddie Mac. At that level, every dollar of price swings the monthly payment more than it used to. That pressure is exactly why asking and agreed prices drift apart, and why builders lean on incentives to close the gap.

For buyers, costlier financing means more room to negotiate, since homes take longer to move. For sellers, it means the market names the price, not the wish list.

This is not a reason to hurry either way. Buyers, get your must-haves straight and line up a lender who can act fast. Sellers, price to what buyers are truly paying today. And if you want to see how these numbers land on your own plans, I am always glad to talk it through.