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January just reset the Inland Empire housing market and most people are misreading what’s actually happening. Prices dipped. Sales slowed. Days on market jumped. But pending sales surged nearly 9%. So which is it? Is the market cooling… or is demand quietly building under the surface? In this video, I break down the official January 2026 Inland Valley Association of Realtors housing report and layer in: • Median price trends • Pending sales data • Days on market shifts • Sale-to-list ratios • City-level data (Rancho Cucamonga, Ontario, Upland, Claremont) • Freddie Mac mortgage rate data • 10-year Treasury yield from Federal Reserve H.15 • Oil price influence on inflation and housing affordability All sourced. All verifiable. Key January 2026 data: • Median price: $615,430 (−1.5% YoY) • Pending sales: +8.7% YoY • Days on market: 34 days (up from 28) • Sale-to-list price: 98.67% • 30-year fixed rate: 6.09% (Freddie Mac PMMS) This is not a crash. This is recalibration. And recalibration creates opportunity. If you live in Rancho Cucamonga, Ontario, Upland, Claremont, or anywhere in the Inland Empire and want a personalized breakdown, comment your city below. Subscribe for real estate and mortgage updates sourced directly from Freddie Mac, the Federal Reserve, and Inland Valley Association of Realtors data. Clarity wins in 2026.