Is the Sacramento housing market finally cooling down, or are we entering a significant period of transition? On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with renowned housing analyst and certified appraiser Ryan Lundquist to break down the latest Sacramento real estate trends.

With over 20 years of local experience, Ryan provides a data-backed look at why the current market is shifting from a fast-paced environment to a much tighter, inventory-strained landscape. Whether you are a first-time buyer or a seller trying to understand local appraisal trends, this interview offers the technical analysis you won't find in viral headlines.

Topics include:

• Market Inventory Dynamics: Why low supply coupled with low demand is creating a unique state of "normal."
• Regional Growth Drivers: The massive population shift toward Roseville and the ongoing transformation of downtown Loomis.
• The Bay Area Effect: How migration patterns from the coast continue to influence Sacramento home prices.
• Buying Strategy for 2026: Why a 20% down payment isn't a requirement and how to navigate the current entry-level market.
• Luxury Market Trends: An analysis of million-dollar sales and where the top 10% of the market is heading.

About the Guest: Ryan Lundquist is a certified residential appraiser and housing market analyst in the Sacramento area. Ryan runs the Sacramento Appraisal Blog, which is a top-ranking appraisal blog in the United States. He is a member of the Real Estate Appraisers Association of Sacramento. His clients include homeowners, real estate agents, CPAs, and attorneys. In his spare time, Ryan does woodworking. He also loves to walk.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Shangri-La (Fair Oaks)

High-Hand Cafe (Loomis)

High-Hand Brewing Company (Loomis)

To check out the resources highlighted in this episode visit the links below.

To see this episode in our new video format visit: Sacramento Housing Market Update: Trends & Analysis with Ryan Lundquist (YouTube)

To view Ryan's official website and read his latest blog visit: Sacramento Appraisal Blog

To like, share, and subscribe to SAFE Credit Union's official YouTube page visit: SAFE Credit Union (YouTube)

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org