Half Moon Bay Housing Market

Half Moon Bay Market Snapshot

Half Moon Bay is a balanced market, a good environment for thoughtful decisions on both sides:

Based on 8 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$1.15M
Down 19.8% from March 2025
Down $284K from March 2025
Homes Sold
8
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$7,070/mo
6.3% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$5,690
  • Property Tax$1,197
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
14 days
2 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
101.5%
Down from 101.9% in March 2025
Selling at or near asking price
% Sold Over Asking
50%
More than half of homes sold above their asking price
Active Listings
25
Down 7.4% from March 2025
About 3.1 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Half Moon Bay.

Median Sale Price
Down 19.8% year-over-year in Half Moon Bay. Based on 8 sales in the most recent month.
Homes Sold
20% fewer homes sold than a year ago in Half Moon Bay.
Total Monthly Payment
Estimated monthly cost is down 21% from a year ago in Half Moon Bay, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.3%. Your actual rate depends on your credit, down payment, and loan type.
Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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