It's easy to think that Granite Bay is mostly cash buyers, but the data tells a different story. In 2026 through mid-May, about 68% of Granite Bay buyers used conventional financing, while only 28% paid cash.
Breaking it down by price tier:
Under $1.5M: ~29% cash
$1.5M and above: ~27% cash
$2M and above: just 17% cash
Cash is a significant factor — about a quarter of all sales in 2026 have been cash — but financing remains the majority across every price tier in Granite Bay.
As the school season wraps up, enjoy all things graduation and summertime! If you'd like to strategize about real estate, reach out to Leah Brown at 916.622.6316.
