YouTube Video Channel

The Federal Reserve lowered its benchmark rate - but mortgage rates barely moved. So why is the 30-year fixed mortgage still hovering near 6.5%?

In this video, I explain why Fed rate cuts and mortgage rates do not always move together- and why the 10-year Treasury yield matters more to homebuyers than the federal funds rate.

The Federal Reserve sets the economic backdrop- but local inventory, pricing, and monthly payment calculations should drive your real estate decisions.

Before buying or selling, study the neighborhood, watch price reductions, and run the numbers. A Fed rate cut does not automatically mean lower mortgage rates or better affordability.

Timestamps :

00:00 Why Mortgage Rates Stay High
00:27 Fed Rates vs. Mortgage Rates
01:24 Inflation Changes Everything
01:59 Higher for Longer
03:02 The Lock-In Effect
03:47 Rates vs. Home Prices
04:45 Winners & Losers by Region
06:10 Buyer & Seller Advice

#mortgagerates #housingmarket2026 #federalreserve #realestatemarket #CaliforniaRealEstate

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

Watch these next to better understand California’s housing market:

Housing Market Crash in 2026? The Reset Has Already Started
https://youtu.be/lK8sF_txCNs

California Housing Crash 2026? The Builder Warning Explained
https://youtu.be/5kqXwNWV8rg

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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Is the housing market about to crash in 2026, or are we already living through a slower reset?

In this video, we break down the latest housing market predictions for 2026, including Morgan Stanley’s warning that affordability may not return to pre-2022 levels anytime soon.

Home prices are still near record highs, mortgage payments have roughly doubled since 2021, and existing home sales are running near 2009 lows. But despite weak buyer demand, a full nationwide crash is not the base case because many homeowners are locked into low mortgage rates and are not being forced to sell.

We also look at the rent-versus-buy gap, why renting is cheaper than buying in the 50 largest metros, and what this all means for California, where the statewide median price is forecast near $905,000 and only about 23% of households can afford a mid-tier home.

The big question is simple:
Should buyers wait for prices to drop?
Or is this reset the new normal?

The 2026 housing market is not normal.
It is not a guaranteed crash.
It is a reset.
And the smartest move is the one that protects your monthly budget first.

Timestamps :

0:00 – Reset, Not a Crash
1:03 – Why Homes Feel Unaffordable
1:54 – Buyer Demand Collapse
3:05 – Prices vs. Rates
3:50 – Renting Makes Sense
4:45 – California Housing Reality
6:01 – What Happens in 2026?
6:42 – Should You Buy Now?

#housingmarket2026 #housingmarketcrash #californiahousingmarket #mortgagerates #rentvsbuy

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

Watch these next to better understand California’s housing market:

California Housing Crash 2026? The Builder Warning Explained
https://youtu.be/5kqXwNWV8rg

California Transfer Tax Fight: 12, 000 Calls to Stop AB 736
https://youtu.be/uvZzBZqINqQ

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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Is a California housing market crash coming in 2026?

National new-home supply has jumped to 10.3 months, the highest level since 2009, and builders are cutting prices, offering mortgage rate buydowns, and trying to move unsold inventory.

But does that mean California home prices are about to crash?

In this video, we break down what the latest builder data actually means for California buyers and sellers. New construction is clearly under pressure, especially in higher-supply and inland markets. But California’s resale market is still being supported by tight inventory, the mortgage rate lock-in effect, and long-term underbuilding.

The result is not one simple market.

It is a divided housing market.

Builders are more negotiable. Existing homeowners are holding firmer. Coastal areas remain tighter. Inland markets may feel more pressure first.

Timestamps :

0:00 – California Crash Warning?
1:21 – Builders Under Pressure
2:00 – Why Buyers Are Waiting
3:32 – Existing Homes Stay Strong
4:17 – California Supply Reality
5:15 – Strong vs Weak Markets
6:25 – Advice for Buyers & Sellers
6:53 – Crash or Slowdown?

#californiahousingmarket #housingmarket2026 #californiarealestate #housingcrash #NewHomeInventory

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

Watch these next to better understand California’s housing market:

Moving to California in 2026? Watch This Before You Regret It
https://www.youtube.com/watch?v=wKuSrQyWjf0

California’s $1M Starter Home Crisis: 105 Cities Cross the Line
https://www.youtube.com/watch?v=nN1Cla5RVxk

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

39 6

California’s transfer tax debate just became a major fight in Sacramento.

AB 736 would have capped most local California transfer taxes at 1.5% starting January 1, 2027. But the California Association of Realtors opposed the bill, warning that the new ceiling could push some cities to raise transfer taxes toward that cap.

In just over 24 hours, Realtors across California made more than 12,000 calls to legislators urging a no vote. The bill stalled, but the transfer tax debate is far from over.

In this video, we break down what AB 736 would have done, why Realtors opposed it, how it could affect closing costs, and what California buyers and sellers should watch next.

Timestamps :

00:00 AB736 Overview
01:15 Transfer Tax Basics
02:00 Proposed Changes
02:46 Measure ULA Impact
03:56 Why CAR Opposed It
05:26 Related Tax Measures
06:13 What It Means Today
07:22 What's Next

#californiarealestate #CaliforniaTransferTax #closingcosts #californiahousingmarket

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

DISCLAIMER:

This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

#CaliforniaRealEstate #TransferTax #AB736 #CaliforniaHousing #ClosingCosts #RealEstateNews

33 8

California foreclosures are rising again in 2026, and the numbers are getting harder to ignore.

In Q1 2026, California recorded the 3rd-most foreclosure starts in the country, behind only Texas and Florida. National foreclosure filings are also up 26% year over year, while more homeowners are falling 90 or more days behind on their mortgage payments.

But is this the start of a 2008-style housing crash?

In this video, we break down what the latest foreclosure data really means for California homeowners, buyers, and investors. We look at why distress is rising, which buyers are most at risk, how insurance costs are adding pressure, and why California’s tight housing supply may prevent a statewide crash.

The biggest risk appears to be concentrated among recent buyers, especially those who purchased from 2022 onward with 6% to 7% mortgage rates, higher monthly payments, and thinner equity cushions.

Timestamps :

0:00 Foreclosure Trends
1:19 Not Another 2008
2:22 California Hotspots
3:42 Biggest Risk Factors
4:55 Recent Buyers
6:06 California vs. Florida
7:17 Market Outlook

#CaliforniaHousingMarket #CaliforniaForeclosures #ForeclosureUpdate #CaliforniaRealEstate

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

Watch these next to better understand California’s housing market:

Moving to California in 2026? Watch This Before You Regret It
https://www.youtube.com/watch?v=wKuSrQyWjf0

California’s $1M Starter Home Crisis: 105 Cities Cross the Line
https://www.youtube.com/watch?v=nN1Cla5RVxk

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

Based on the California foreclosure data and housing market analysis in the article.

37 8

Thinking about moving to California? Before you pack the truck and chase the sunshine, you need to understand the real costs, risks, and trade-offs that don’t always show up in relocation ads.

In this video, we take an honest look at what it really takes to live in California in 2026, including the cost of living, housing prices, rent, taxes, insurance, wildfire risk, homelessness, safety, bureaucracy, job competition, and why choosing the right region matters more than simply choosing “California.”

California is still one of the most beautiful and opportunity-rich states in the country, but it works best for people who plan carefully. Whether you are moving for work, lifestyle, weather, opportunity, or a fresh start, this guide will help you decide whether the move makes sense for your budget and your life.

If you are considering San Diego, Los Angeles, Sacramento, Riverside, Orange County, the Bay Area, Fresno, or another California city, this video will help you think through the move with clear expectations.

Question for you:
Which California city are you thinking about moving to?

Timestamps :

0:00 - Intro
0:24 - Cost of Living
1:28 - Housing Reality
2:26 - Taxes & Insurance
3:15 - Disaster Risks
3:46 - Choosing the Right Region
4:22 - Safety & Quality of Life
5:03 - Rules & Competition
6:01 - Is It Worth It?
6:17 - Smart Moving Plan

#movingtocalifornia #californiacostofliving #californiarealestate #livingincalifornia #californiahousingmarket

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

More Real Estate Insights:

California’s $1M Starter Home Crisis: 105 Cities Cross the Line
https://youtu.be/nN1Cla5RVxk

California Housing Hit a RECORD High… But Buyers Shouldn’t Be Fooled
https://youtu.be/wjd7qjfHy10

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

59 9

A $1M starter home sounds ridiculous.

But according to Zillow’s June 2026 analysis, 105 California cities now have typical starter homes valued at $1M or more - the most of any state in America. Nationwide, the number of cities with $1M starter homes has jumped from 80 before 2020 to 242 today.

The biggest California clusters are in the San Francisco metro, Los Angeles metro, and San Jose metro, which together account for 83 of California’s 105 cities with $1M-plus starter homes.

But the story is not all doom and gloom.

Many inland markets - including parts of the Central Valley, Inland Empire, and Northern California - still offer entry-level prices below the $1M mark. The starter home may not be dead in California… but it has definitely moved.

Watch to see where the $1M starter home problem is worst, how California compares with New York and New Jersey, and where buyers may still find a realistic path into homeownership.

Source: Zillow analysis, June 2026.

Timestamps :

0:00 - The $1M Starter Home
0:48 - How We Got Here
2:04 - California’s Hotspots
3:03 - The Supply Problem
3:39 - Signs of Relief
4:07 - Other States Catching Up
5:12 - The Missing Context
5:58 - What Buyers Face Today
6:53 - Long-Term Consequences

#californiarealestate #californiahousingmarket #starterhomes #firsttimehomebuyer #milliondollarhomes

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

More Real Estate Insights:

California Housing Hit a RECORD High… But Buyers Shouldn’t Be Fooled
https://youtu.be/wjd7qjfHy10

California Real Estate Investors Are Buying Again… But Not Everywhere
https://youtu.be/2oUqxVvuGlg

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

34 9

California’s housing market just hit a record median price of $914,810… but that headline does not tell the full story.

In this video, we break down what’s really happening in the 2026 California housing market, including why luxury home sales are pushing the statewide median higher while many counties are actually seeing prices soften.

We’ll look at the latest housing numbers, including California’s 275,580 annualized sales pace, the national median price of $429,300, mortgage rates around 6.5%, and why only 22% of California households can afford the median-priced home.

If you’re thinking about buying or selling in California in 2026, this market is not moving the same everywhere. San Diego, Orange County, Los Angeles, Riverside, Santa Clara, Contra Costa, the Inland Empire, the Bay Area - each tells a different story.

The big question:
Is California housing really surging…
or is the record median price hiding weakness underneath?

Timestamps :

0:00 - Market Headlines vs Reality
0:30 - California Sales Snapshot
1:23 - The Record Price Question
2:30 - Who Is Buying Homes?
3:02 - County Price Breakdown
4:23 - Affordability Challenges
5:37 - Rates and Inventory
6:14 - 2026 Market Forecast
6:42 - Buyer & Seller Advice
7:38 - Crash Risk

#californiahousingmarket #californiarealestate #housingmarket2026 #californiahomeprices #realestatemarket

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

More Real Estate Insights:

California Real Estate Investors Are Buying Again… But Not Everywhere
https://youtu.be/2oUqxVvuGlg

Zillow Just Hit Pause on the 2026 Housing Recovery
https://youtu.be/e1ysrrF52Rk

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

35 7

California real estate investors are buying again in 2026 - but the story depends entirely on where you look.

While investor home purchases are falling nationally, California’s coastal markets are moving in the opposite direction. San Francisco saw investor purchases jump 19%, the largest increase of any major metro tracked by Redfin. San Jose, Oakland, San Diego, and Anaheim also saw investor activity rise.

But inland California is telling a different story.

Riverside and Sacramento both saw investor purchases fall, showing a major split between coastal California and inland markets.

In this video, we break down what is happening with California real estate investors, why the Bay Area AI boom may be driving new investor demand, and what this means for buyers, sellers, and anyone thinking about buying a rental property in 2026.

The national headline says investors are pulling back.

But California?

California is doing its own thing.

And as always in real estate, your ZIP code tells the real story.

Timestamps :

0:00 - Investor Buying Rebound
0:48 - California Market Breakdown
2:28 - National Market Slowdown
3:39 - Why Investors Are Pulling Back
4:38 - Appreciation vs Cash Flow
4:53 - Bay Area AI Effect
5:42 - Housing Policy Update
6:42 - Buyer Competition Risks
7:39 - Investor & Seller

#californiarealestate #realestateinvesting #californiahousingmarket #bayarearealestate #sanfranciscorealestate

Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

Living in California continues at LivingInCalifornia.com — city guides, cost-of-living breakdowns, and everything you need to know before you move.

More Real Estate Insights:

Zillow Just Hit Pause on the 2026 Housing Recovery
https://youtu.be/e1ysrrF52Rk

California Condos Just Split 3 Ways?!
https://youtu.be/GoTS72b9hoc

DISCLAIMER:
This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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