Thawing the 'Lock-In' Effect

Why 2026 is the Year South Bay Families are Finally Moving Up

For the past few years, the South Bay market felt like it was on pause. Many families were "locked in" to 3% mortgage rates, living in starter homes they had long since outgrown because the math of moving didn't make sense.

But in 2026, the "Great Un-Pause" has arrived.

This week ended at 5.99%. Yes, you read that correctly. 5.99%!! And what matters even more is these rates holding steady this week rather than popping back up. Local home equity is at an all-time high, the psychological barrier is eroding. Families are no longer willing to put their lives on hold. Here is what you need to know if you’re ready to trade that 2-bedroom condo for a 4-bedroom home:

• The Equity Advantage: If you’ve owned your South Bay home for more than 5 years, you are likely sitting on record-breaking equity. That down payment for your "forever home" is already in your walls.

• The Valmonte Bridge: We are seeing massive activity in the Valmonte neighborhood of Palos Verdes. It has become the primary destination for families moving up from Redondo and Hermosa who want more space and the PV school district without losing their coastal connection.

• Inventory is Returning: As more people decide to move, we are seeing a healthier flow of listings. You finally have choices again.

The Verdict: Don't let a "low rate" trap you in a home that no longer fits your life. Let’s run the numbers on your current equity and see what’s possible in today’s market. Let’s connect!