Interest rates continue to influence the direction of the Scottsdale, AZ real estate market in January 2026. If you are wondering is it a good time to buy in Scottsdale, AZ, keeping an eye on rate changes is crucial for purchase timing and budgeting. This month’s figures reveal much about buyer sentiment and financing strategies in Scottsdale, AZ.
January 2026 sees stability in lending, but affordability shifts demand careful strategy from buyers and measured flexibility from sellers. Each numeric adjustment reshapes opportunity and negotiation on both sides of every transaction.
January 2026 Mortgage Rates and Market Dynamics
The average 30-year mortgage rate in Scottsdale, AZ clocks in at 6.34 percent. This benchmark directly impacts buyers’ monthly payments and qualifying purchase amounts. While still historically competitive, this rate highlights the advantage for those able to secure attractive terms in closing. Median sale price is $875,000 and inventory stands at 1,450 homes—so buyers and sellers alike must adapt expectations based on financing realities.
Days on market average 49, and new listings are up to 510. The active list-to-sale ratio remains at 96.5 percent, revealing that homes priced to market attract qualified, motivated offers in January 2026. Those weighing affordability against opportunity must factor in both price per square foot ($421) and the potential impact of even slight rate changes on ownership costs.
- Average mortgage rate: 6.34 percent
- Median home price: $875,000
- Active inventory: 1,450
- Days on market: 49
- Price per square foot: $421
How Buyers Can Leverage Rate Clarity
With rates steady, buyers seeking affordable homes in Scottsdale, AZ this January 2026 have a clear window to act. Mortgage pre-approvals and fixed-rate locks gain more importance, ensuring stable payment planning. If you need help navigating, Jeff Setlow brings local expertise and up-to-the-minute insight to your financing path.
Tour Smarter, Offer Stronger
Work with Jeff Setlow to align mortgages and goals for Scottsdale, AZ properties in January 2026. Guidance makes a difference in every transaction.
Sellers, Understand Buyer Sensitivity
Higher rates often encourage sellers to be flexible on credits or concessions. In Scottsdale, 28 percent of sellers provided incentives in January 2026, opening doors for negotiations that can reduce buyer closing costs. Combined with a balanced inventory and healthy absorption, these trends enable win-win closings for all parties.
Summary: Rate Trends Shape January 2026 Buying and Selling
Financing strategy for Scottsdale, AZ is at its best when paired with accurate rate tracking and local agent guidance. In a shifting market, Jeff Setlow helps you land your ideal price and terms.
