Many Bay Area homeowners feel trapped by their sub-3% mortgage rates, creating ‘golden handcuffs.’ This article explores the hidden costs of staying put—including soaring insurance premiums and property tax reassessments—and provides a framework for deciding if it’s the right time to move in the 2026 market.
Feeling trapped by your ultra-low mortgage rate in the Bay Area? This 2026 market update explores the move-up buyer’s dilemma and provides expert strategies from a real estate, mortgage, and insurance perspective to help you upgrade your home.