Published October 4, 2026 in Market Update

Primary market inventory is tighter than the national backdrop

By Maggie Love

Real estate, Primary market

The National Association of Realtors counted 4.9 months of supply across the U.S., the highest level in over ten years. Here in the Primary market, the Real Estate Data Aggregator counted just 1,173 homes for sale in the three months ending July 31, 2026. That is down 8.1% from the same months of 2025. Fewer choices for buyers can mean less direct competition for sellers.

New listings are also thinner. The Real Estate Data Aggregator counted 1,575 new listings across the Primary market in that same period, down 5.5% from a year before. So the pipeline of fresh homes coming to market is tightening, not opening up.

More homes sold here than a year ago. The Real Estate Data Aggregator counted 1,284 sales, up 4.3%. That means demand held up even as supply shrank. That combination kept the market moving.

How each ZIP code looked

Not every ZIP moved the same way. Some tightened sharply. Others loosened a little. Here is how months of supply compared across the Primary market in the three months ending July 31, 2026, according to the Real Estate Data Aggregator.

ZIP 76034 was the tightest, at just 2.3 months of supply, down 1.1 months from a year before. The Real Estate Data Aggregator also counted 90 homes for sale there, a drop of 33.8%. That is a sharp tightening in one year.

ZIP 76022 told a similar story. The Real Estate Data Aggregator counted only 25 homes for sale, down 26.5%. New listings there fell 44.8%. That is a very thin pool for buyers in that ZIP.

ZIP 75028 was the one exception. The Real Estate Data Aggregator counted 161 homes for sale there, up 16.7% from a year ago. Buyers in 75028 have a little more to look at than they did last year.

Rates add to the picture

Freddie Mac put the average 30-year fixed rate at 7.28% as of October 1, 2026. The 15-year averaged 6.60%. Realtor.com noted that rates crossed 7% in late September for the first time since January 2025. Higher rates slow some buyers down, which is part of why pending sales dipped.

Realtor.com also reported that active listings nationally rose 6.3% from a year ago, the fastest pace in at least six months. That is the opposite of what the Real Estate Data Aggregator found here, where listings fell 5.5%. Your local market is tighter than the national picture suggests.

What this means for homeowners and buyers

For homeowners, fewer listings means your home faces less direct competition right now. The Real Estate Data Aggregator found that 1,284 homes still sold here, up 4.3%, so buyers are still active.

For buyers, the choices are genuinely thinner. The Federal Housing Finance Agency reported that U.S. house prices rose 2.1% year over year between the second quarter of 2025 and the second quarter of 2026. Waiting has not brought prices down nationally, and local supply is shrinking, not growing.

In ZIP 76051, the Real Estate Data Aggregator found that 35.8% of homes sold above list price, up 14.7 points from a year ago. More than half, 54.9%, went under contract within two weeks of listing. That is a ZIP where well-priced homes are moving quickly.

ZIP 76092 saw median days on market fall 7 days shorter than a year ago, to just 22 days. The share of homes that sold above list rose 8.2 points to 23.5%. The Real Estate Data Aggregator also found that nearly half, 48.1%, went under contract within two weeks.

Not every ZIP moved that fast. ZIP 75067 had a median of 35 days on market, unchanged from a year ago, and a median sale price of $363,000, down 3.2%. Prices dipped a little there. That is honest, and it is worth knowing before you price a home in that ZIP.

One street can read very differently from the whole ZIP code. The numbers above cover broad areas. Your block, your floor plan and your price point all shape what actually happens when a home hits the market. I am happy to talk through what the data means for your specific address.