Estero Sale-to-List Ratio in September 2026

Estero closes about 100 homes in a typical month, so single-month counts move sharply on a few dozen transactions. The three-month rolling figures combine July, August and September, which reduces the influence of any one month. Back-to-back rolling figures share two of their three months, so a rolling streak should be read as one ongoing trend. This report uses them alongside the monthly figures.

Estero listings averaged 3.8 showings in September 2026, up from 3.0 a year earlier. On a three-month rolling basis, showings per listing have run above last year for 12 months in a row through September.

Pending sales reached 100 in September, up 20.5% from 83. The three-month rolling count was 299, up 8.7% from 275, and the rolling figure has been above last year in 11 of the last 12 months.

The median listing needed 10 showings to reach a contract, up from eight a year earlier, so listings are drawing more visits before a buyer commits.

Closings Held Close to Last Year

Estero recorded 91 closed sales in September 2026, down 3.2% from 94 a year earlier. The three-month rolling count was 284, down 2.4%. Dollar volume came in at $54.6 million.

The 30-year fixed rate averaged 7.03% in the week of September 24, 2026, according to the Freddie Mac Primary Mortgage Market Survey, up from 6.66% in late August and 6.30% a year earlier. The October 1 survey reported 7.28%.

The calculation below uses Estero's three-month rolling median of $503,250, the steadier price measure for this market. With 20% down, a buyer would borrow $402,600, and principal and interest at 7.03% come to about $2,687 a month.

The rolling median is close to where it was a year ago, so nearly all of the roughly $211 monthly increase comes from the higher rate.

These figures exclude property taxes, insurance, association fees and the community development district assessments common in Estero. The survey average is not a rate quote available to any particular buyer, and cash purchases are not tied to a mortgage payment.

Estero had 456 active listings in September 2026, down 30.2% from 653 a year earlier. The monthly count rose from 446 in August, its first increase since January. The three-month rolling count of 463 has still fallen for six months in a row.

New listings came in at 154, up from 129 in August and close to the 156 recorded a year earlier. Last year, new listings jumped from 156 in September to 271 in October as sellers prepared for winter.

Published months of supply was 3.6, down from 6.3 a year earlier. The measure divides active listings by a 12-month sales pace. Four to six months is generally read as balanced, so 3.6 sits below that range on the seller side. The three-month rolling reading of 3.7 has declined for eight consecutive months.

Homes sold in a median 60 days on market in September, against 64 a year earlier. On a rolling basis the median was 67 days, down from 85.

The sale-to-list ratio compares a home's sale price with the list price in place when it went under contract. A reading of 96.8% means the median seller accepted about 3.2% less than that final asking price.

The ratio has been above last year for five months in a row through September. On a three-month rolling basis it reached 96.3%, above last year for a fourth month.

September has not favored sellers on this measure in recent years. The September ratio was 97.3% in 2023, 96.1% in 2024 and 95.8% in 2025. This year's 96.8% breaks that run of yearly declines.

Why the Ratio Reflects Earlier Negotiations

The sale-to-list ratio is recorded at closing, weeks after the contract is signed. It reflects negotiations that took place while showings were running above last year and supply was falling. That reading is consistent with the other measures, and it can also rise when sellers cut asking prices or a different mix of homes sells.

The ratio uses the final asking price, which already includes any reductions made during the listing. A seller who cut the price twice and then received 97% of the last price may have received much less than the opening ask. The community profiles below compare September closings with their opening prices for that reason.

For a buyer, 96.8% is citywide context. It is not a target for an offer on a specific home, since condition, price range and listing history all shape what an individual home sells for.

Estero's single-month median sale price was $475,000 in September 2026, down 12.8% from $545,000 a year earlier. That figure rests on 91 closings, and the mix of homes that closed moves it on its own.

The three-month rolling median gives the steadier read. It finished September at $503,250, up 0.6% from $500,000 a year earlier. The rolling median has been above last year for three months in a row through September.

Rolling price per square foot was $250, up from $248 in August and 0.4% below September 2025. It had declined from $257 in June to $253 in July and $248 in August, so September ended that two-month decline. The year-over-year decline has narrowed in each of the last four months.

Across closings in the 120 days through October 1, 2026, Estero homes that sold on their first listing attempt had a median 64 days on market. Homes that sold after relisting accumulated a median 240 days across their attempts. Those figures cover 350 and 68 closings respectively. The window had 444 closings in all. The other 26 sold on their first listing with no days on market recorded, so they are left out of the day counts. The 15.3% relisted share below is measured against all 444.

First-attempt homes sold at a median $518,750. Relisted homes opened at a median $572,450 and closed at a median $532,500, a median per-home difference of $38,450. Relisted homes made up 15.3% of closings in the window.

The two groups differ in price, property type, condition and seller circumstances. The figures show how each group performed, and they do not establish that relisting caused the difference.

Estero's Re-list Rate was 25.0%, up from 20.1% in August. That covers 117 of the 468 active listings in Worthington's address-matched export with an expired, withdrawn or terminated record at the same address in the past 12 months. Of those, 43.6% came back at least 3% below the prior asking price. The other 56.4% returned at the same price or with a smaller cut.

When a home returns to the MLS under a new listing, its days-on-market counter starts over at zero. A buyer should check a listing's full history before treating it as new.

Competitive Inventory is Worthington's screening view of active listings. It counts homes listed fewer than 180 days, except relisted homes that came back less than 3% below their prior price. Buyers can still consider the homes it sets aside. It uses a three-month closing pace, while published months of supply uses all listings and a 12-month pace.

On Estero's three-month pace of 94.7 closings a month, all 468 export listings read 4.9 months. Setting aside the 98 listings past the 180-day mark brings that to 3.9 months. Also setting aside relisted homes that came back less than 3% lower leaves 306 listings at 3.2 months.

The Ask-Bid Gap compares asking prices with recent sale prices, both per square foot. Estero ran 6.3% citywide, with active listings asking $266.62 against $249.88 on closings over the past 120 days.

By price range, the reading was 1.6% under $400,000 and 6.5% from $400,000 to $750,000. It was 8.5% from $750,000 to $1.5 million and 16.4% above $1.5 million, where it rests on 29 active listings and 21 closings.

The active and sold homes are different properties. They can differ in condition, location, age and finish, so the reading is not an offer discount.