Published October 4, 2026 in Market Update

More homes are on the market across the Primary market, but deals are taking longer

The one fact that changes what you should do right now: the Real Estate Data Aggregator counted 338 homes for sale across the Primary market in the three months ending July 31, 2026, up 8.7% from a year before. At the same time, pending sales fell 8.7%. More supply, fewer buyers moving forward. That gap is the whole story.

Nationally, the National Association of Realtors put months of supply at 4.9 months, the highest level in over ten years. The Primary market is tighter than that. The Real Estate Data Aggregator shows supply ranging from 1 month in 22205 to 3 months in 22204. Still, the direction is the same: more choice for buyers, more competition for sellers.

Rates just crossed 7% again

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. That matters because it raises the monthly cost on every home in every ZIP code here.

How each ZIP code read in the three months ending July 31, 2026

The five ZIP codes tell very different stories. Two saw inventory jump sharply. Two others actually shrank. One sits at just 1 month of supply. Here is how they compare.

Where inventory grew the most

The Real Estate Data Aggregator counted 124 homes for sale in 22204 in the three months ending July 31, 2026. That is up 26.5% from a year before. Days on market there stretched to 40, five days longer than a year ago. Pending sales in 22204 fell 21.2%. Those three facts together say pricing and presentation matter more there than anywhere else in this market.

In 22206, homes for sale jumped 56.8% to 58. Days on market grew 8 days longer, to 32. The share of homes selling above list price fell 9.7 points to 29%. Still, the Real Estate Data Aggregator counted 93 homes sold there, up 24% from a year before. Buyers are active, but they are taking more time to decide.

Where things moved fastest

22205 stood apart. The Real Estate Data Aggregator counted a median of 23 days on market there, 6 days shorter than a year ago. More than half of all homes, 53.9%, sold above list price. The sale-to-list ratio reached 103.1%, up 3.5 points. Supply sat at just 1 month. Prices dipped a little, down 2.8% to a median of $1,254,000, but the pace of sales stayed quick.

22203 also moved well. The Real Estate Data Aggregator showed 54% of homes going under contract within two weeks of listing, up 15 points from a year before. The sale-to-list ratio was 101.1%. Supply fell to 2 months. The median price edged up just 0.3% to $481,250, so buyers there found value and moved on it.

Prices: mostly up, with two exceptions

The Real Estate Data Aggregator showed price gains in three of the five ZIP codes. 22201 led with a median of $820,000, up 21.5%. 22204 rose 11.1% to $699,000. 22203 was nearly flat, up 0.3% to $481,250. The two that dipped were 22205, down 2.8% to $1,254,000, and 22206, down 1.3% to $575,000. Neither drop was large, but both came alongside rising inventory.

The national picture adds context

The National Association of Realtors reported existing-home sales fell 2.0% month over month in August 2026. Year to date through the first eight months of the year, they were up 1.6%. The Federal Housing Finance Agency reported U.S. house prices rose 2.1% year over year between the second quarter of 2025 and the second quarter of 2026. Realtor.com noted active listings were up 6.3% from a year ago, the fastest pace in at least six months. The Primary market is moving in the same direction.

What this means if you own a home here

More supply means buyers have more to compare. The Real Estate Data Aggregator shows that homes priced well still sold, often above list. In 22205, 67.2% went under contract within two weeks. In 22203, 54% did. But in 22204, where inventory jumped 26.5%, the median home sat 40 days before selling. Pricing and condition are doing more work than they did a year ago.