Roger Flowers Realtor Blog

Local real estate insights, neighborhood stories, and practical home guidance for Redlands, Yucaipa, and the Inland Empire.

Category: Latest Posts

  • Roof Repairs Start Near $150

    Roof repairs in California can start at around $150, but before you start comparing prices, it's important to know that any work valued at $500 or more requires a state-licensed contractor. As someone who’s guided clients through countless home improvement projects across Redlands, Yucaipa, and the Inland Empire, I always remind homeowners: checking a contractor’s license should be your first step. The state suggests getting at least three written bids for the same work—this is key to making sure you’re comparing apples to apples on details like decking, flashing, and underlayment. Also, California caps down payments on home-improvement contracts at 10% of the total price or $1,000 (whichever is less), which helps protect you as a homeowner. Don’t forget, licensed roofing contractors are required to carry workers’ compensation insurance or approved self-insurance. Always verify this before signing any contract. Finally, be sure to check with your local building department on permit requirements, especially since California’s latest building standards code took effect January 1, 2026. Careful planning and working with trusted local professionals can make a big difference in your real estate experience.

  • Should You Rent or Buy a Home in California in 2026?

    Should You Rent or Buy a Home in California in 2026?

    If you’re weighing whether to rent or buy a home in California in 2026, here’s what I’m seeing across our local markets. High ownership costs in major metro areas continue to make renting the more affordable choice for many, especially if you’re planning a shorter stay or if your financial situation is still taking shape. However, in places like the Central Valley—where prices tend to be more approachable—buying can make sense for those who are settled and have built up some savings. With mortgage rates around 6% and rents still climbing, it’s important to match your decision to your personal plans and financial comfort. I always aim to provide straightforward advice so my clients in Redlands, Yucaipa, and across the Inland Empire can make informed decisions that fit their needs—whether that means exploring the best opportunities to buy, or finding the right rental for now.

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  • California’s Down Payment Wait: 14.7 Years

    It’s eye-opening to realize that for many California households, it now takes an average of 14.7 years to save up a 20% down payment on a typical home—currently priced at $776,200, with a median income of $105,600. For minimum-wage earners setting aside savings on their own, that timeline stretches to a staggering 44.2 years. Geography certainly plays a part: our state’s coastline, mountains, and protected lands mean that most new housing is squeezed into premium coastal corridors. Add in a long-standing tax incentive that encourages homeowners to stay put, along with strong job growth in technology and health care, and you have even more pressure on our local housing market.

    For first-time buyers, especially here in the Inland Empire and nearby areas I serve, planning ahead is more important than ever. It’s not just about saving—wage growth would have to outpace home price increases for years before these timelines shorten. As a REALTOR® with deep local experience, my focus is always on helping buyers and sellers navigate these realities with clear, no-pressure guidance, so you can make informed decisions about your next move.

  • San Bernardino County Market Update

    Here's a quick update on San Bernardino County's real estate market. Homes are selling at a similar pace as before. The number of properties available and sold remains consistent with last year.

  • California’s Dynamic Population Trends Highlight New Opportunities

    California’s Dynamic Population Trends Highlight New Opportunities

    Recent research shows that California is one of just five states to see a population decline last year, with about 9,465 fewer residents from 2024 to 2025—a small 0.02% dip. While U.S. population growth overall slowed to under 1%, Vermont experienced the largest decline. Here in California, the median age is now 39, with 5.21% of residents under age 5, and 17.5% over 65. As someone who’s helped buyers and sellers navigate the Redlands, Yucaipa, and Inland Empire markets since 2001, I see firsthand how shifting population trends can influence our local communities, housing demand, and opportunities for those considering a move—whether you’re looking to buy, sell, or invest in Southern California real estate.

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  • California’s Housing Progress: Understanding Paths to Growth

    California’s Housing Progress: Understanding Paths to Growth

    It's no secret that California faces a major housing challenge, and the latest numbers highlight just how tough it is across our communities. Nearly all cities and counties are falling short of the state's housing targets—less than 30% are meeting their goals for market-rate homes, and only 6% are on track for very-low-income housing. Construction is holding steady at around 100,000 new homes a year, which is a far cry from the 312,000 needed annually to keep up with demand. As someone who’s helped buyers and sellers navigate the Redlands, Yucaipa, and Inland Empire markets for years, I see firsthand how these shortages impact local families and those hoping to move here. My goal is always to provide straightforward guidance, so you can make informed decisions in a challenging climate. Understanding these numbers is just the beginning—local expertise and clear information can help you chart your next steps with confidence.

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  • California: $212K Income to Buy a Home

    The numbers around California homeownership can be daunting these days. With the median home price hovering near $930,000, a household needs about $212,000 in annual income to compete—almost double the typical $116,000 income. Even steady employment, strong salaries, and years of saving may not be enough for many families to buy a home here. In the Bay Area, that gap is even wider, with average homes reaching $1.4 million, turning homeownership into something that feels out of reach for too many. While steps like saving more, reducing debt, or considering a move farther from major job centers might help in some situations, the reality is that careful budgeting alone won’t bridge every gap. As someone who’s guided clients throughout Redlands, Yucaipa, and the Inland Empire since 2001, I see firsthand how affordability shapes the dreams and decisions of local families. The challenge now is determining who California’s housing market truly serves—and finding the smartest path forward for those hoping to call this state home.

  • Proposition 37: 17% Second Mortgage

    There’s a new proposal on the horizon that could change the homebuying journey for many in California—Proposition 37. As someone who’s spent over two decades guiding buyers and sellers in Redlands, Yucaipa, and throughout the Inland Empire, I know that the upfront down payment often stands as the biggest hurdle, even for families who can handle monthly payments. This measure would offer a state-backed second mortgage for select newly built homes, letting qualified buyers put in at least 3% themselves, with state assistance covering up to 17% of the purchase price. Combined, that means reaching the typical 20% down—opening doors that might otherwise stay closed.

    The state could issue up to $25 billion in revenue bonds, with homeowners’ loan payments designed to pay back investors and fund the program. It’s a potential new option for those—especially Latino households—who feel the pressure of high housing costs but are ready for homeownership if the upfront barrier is lowered. On November 3, 2026, California voters will have the chance to decide if this program deserves a statewide rollout. I’ll be following this closely, as innovative solutions like these could make a real difference for Inland Empire buyers seeking a path to homeownership.

  • Happy Labor Day!

    Labor Day in the United States celebrates the contributions of workers everywhere, while also unofficially marking the final big summer weekend before fall takes over.
    It’s known for backyard barbecues, road trips, and that classic tradition of buying things you didn’t know you needed because “it’s on sale.”
    Beaches, parks, and grills reach peak activity as everyone tries to squeeze every last drop of summer fun out of the long weekend.
    Happy Labor Day! Wishing you a fun, easygoing weekend filled with good vibes, great food, and absolutely no thoughts about Monday.