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Santa Clarita Housing Market Update: More Options for Buyers in 2026
The Santa Clarita housing market remains slightly favorable to sellers, but buyers are beginning to see more opportunities.
Inventory is increasing in several communities, homes are staying on the market longer, and at least one-third of listings have reduced their asking prices.
Buyers may also be able to improve affordability by purchasing a home with an assumable mortgage.
Santa Clarita Valley Market at a Glance
Single-family home listing data as of August 5, 2026.
| Area | Avg. Price | Days on Market | Inventory | Price Reductions |
|---|---|---|---|---|
| Santa Clarita | $1,003,750 | 70 | 50 | 34% |
| Valencia | $912,499 | 35 | 98 | 33% |
| Newhall | $949,900 | 70 | 37 | 46% |
| Santa Clarita 91390 | $1,150,000 | 49 | 33 | 33% |
What stands out?
| Strongest seller activity | Most price reductions | Fastest-moving market | Highest median price |
| Valencia | Newhall | Valencia | 91390 |
| Market Index: 44 | 46% reduced | 35 median days | $1.15 million |
All four areas are classified as having a Slight Seller’s Advantage, but frequent price reductions may give buyers more negotiating power on selected properties.
Santa Clarita Housing Market
| Key statistic | Current figure |
| Median list price | $1,003,750 |
| Price per square foot | $429 |
| Median days on market | 70 |
| Active inventory | 50 |
| Price reductions | 34% |
| Market Action Index | 30 |
Santa Clarita’s Market Action Index declined from 31 to 30 while inventory increased. If inventory continues growing faster than buyer demand, sellers may face additional pressure on pricing.
View the complete Santa Clarita market report
Valencia Housing Market
| Key statistic | Current figure |
| Median list price | $912,499 |
| Price per square foot | $434 |
| Median days on market | 35 |
| Active inventory | 98 |
| Price reductions | 33% |
| Market Action Index | 44 |
Valencia is the fastest-moving market reviewed, but one-third of its active listings have still experienced a price reduction.
View the complete Valencia market report
Newhall Housing Market
| Key statistic | Current figure |
| Median list price | $949,900 |
| Price per square foot | $420 |
| Median days on market | 70 |
| Active inventory | 37 |
| Price reductions | 46% |
| Market Action Index | 38 |
Newhall has the highest percentage of price reductions in this report. With 46% of active listings reduced, buyers may find stronger negotiating opportunities—particularly on homes that have been available for an extended period.
View the complete Newhall market report
Santa Clarita 91390 Housing Market
| Key statistic | Current figure |
| Median list price | $1,150,000 |
| Price per square foot | $425 |
| Median days on market | 49 |
| Active inventory | 33 |
| Price reductions | 33% |
| Market Action Index | 32 |
The 91390 ZIP code has the highest median list price in this report. Prices remain near historic highs, although one-third of active listings have reduced their asking prices.
View the complete 91390 market report
Could an Assumable Mortgage Help You Buy?
An assumable mortgage allows a qualified buyer to take over a seller’s existing home loan instead of replacing it with an entirely new mortgage.
Certain government-backed loans may be assumable:
| Loan type | Potentially assumable? | Buyer qualification required? |
| FHA | Yes | Yes |
| VA | Yes | Yes |
| USDA | Yes | Yes |
| Most conventional loans | Generally no | — |
An assumption may allow the buyer to keep the seller’s existing:
- Interest rate
- Loan balance
- Remaining repayment period
- Principal-and-interest payment
The buyer must receive approval from the existing loan servicer and meet the applicable program requirements.
The Equity Difference
An assumable mortgage only covers the seller’s remaining loan balance. The buyer must still cover the difference between that balance and the purchase price.
| Example purchase | Amount |
| Home purchase price | $900,000 |
| Seller’s remaining assumable loan | $600,000 |
| Difference to be covered | $300,000 |
That difference may be covered through cash, approved secondary financing or a combination of the two.
Our team has financing programs and strategies designed to help qualified buyers evaluate assumable-loan purchases and potentially address the seller’s equity.
When an Assumable Loan May Make Sense
| Potential advantage | Important consideration |
| Keep the seller’s existing interest rate | Seller’s loan must be eligible |
| Potentially lower monthly payment | Buyer must qualify |
| Reduce exposure to current mortgage rates | Servicer approval is required |
| Combine with secondary financing | Buyer must cover the seller’s equity |
| Create another way to structure the purchase | Process may take longer than a standard loan |
What This Market Means for Buyers
The Santa Clarita Valley is not officially a buyer’s market, but the current data reveal several potential opportunities:
- At least 33% of listings have reduced their prices in every area reviewed.
- Newhall has price reductions on 46% of active listings.
- Median market times range from 35 to 70 days.
- Inventory has increased in several communities.
- Some homes may have assumable FHA, VA or USDA mortgages.
The strongest opportunity may be finding the right combination: a motivated seller, a fairly priced home, an assumable mortgage and a financing strategy for covering the seller’s remaining equity.
Explore Your Santa Clarita Homebuying Options
If you are considering buying a home in Santa Clarita, Valencia, Newhall, 91390 or a surrounding community, we can help you:
- Identify potential assumable-loan opportunities
- Evaluate the seller’s existing mortgage
- Calculate the equity difference
- Explore secondary financing options
- Compare an assumption with a new mortgage
- Determine which option fits your financial goals
Contact our team to review your homebuying and financing options.