New 2026 California Housing Laws Home Buyers Should Understand
- Yvonne Yang
- 17 hours ago
- 2 min read
Buying a home in California is about to look a little different in 2026. New housing laws are creating more options, stronger safety standards, and smoother approval processes for buyers across the state — especially in the Bay Area.
Here are the key changes you should know before making your next move.
1. SB 79 – More Homes Near Transit
The Abundant and Affordable Homes Near Transit Act allows higher-density housing within half a mile of major public transit stops like BART, Caltrain, and ferry terminals.
Why it matters: Buyers will have more opportunities to find modern, walkable homes close to work, transit, and amenities.
2. AB 1455 – Wildfire Safety Zones
California will introduce “Zone 0” ember-resistant buffers within 5 feet of homes in fire-prone areas. These new defensible space standards take effect immediately for new homes and within three years for existing ones.
Why it matters: Buyers should confirm compliance before purchasing in wildfire-risk regions — it can affect both safety and insurance rates.
3. AB 253 – Faster Building Permits
If a city or county delays plan reviews beyond 30 days, you can now use a private reviewer to expedite the process.
Why it matters: Perfect for Bay Area buyers planning remodels or new construction — less waiting, faster results.
4. AB 493 – Interest on Insurance Proceeds
Lenders must now pay 2% annual interest on any insurance funds they hold after a claim.
Why it matters: It protects homeowners from unnecessary delays after a loss or disaster.
5. AB 226 & AB 525 – FAIR Plan Updates
California’s FAIR Plan will receive additional funding to stabilize fire insurance coverage — including for manufactured and mobile homes.
Why it matters: Insuring your new home, even in higher-risk areas, is becoming easier and more reliable.
✅ Closing Thoughts for Buyers
2026 is shaping up to be an empowering year for California home buyers. With more flexible zoning, faster permits, and stronger fire protections, owning a home here is more achievable than ever.
🏠 As your trusted Bay Area Realtor, I stay ahead of every law, policy, and market shift — so you don’t have to. Whether you’re buying your first home or upgrading to your forever one, I’ll guide you through the process with clarity, insight, and strategy.
📲 Reach out today for personalized guidance on finding your dream home in 2026’s evolving market.
Written by Yvonne Yang, Top Bay Area Realtor®.
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