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.”
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.”
Data through Jul 2026
Half Moon Bay is shifting toward buyers. Here's where things stand:
Based on 26 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through July 2026
See how prices, monthly costs, and mortgage rates have moved in Half Moon Bay.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
The median sale price in Half Moon Bay is $1.64M — down 10% from $1.82M in September 2021. Over that stretch, the median peaked at $1.85M in August 2023 and bottomed at $1.32M in October 2022. That's right in line with the area's 5-year average of $1.58M. Half Moon Bay averages only about 9 sales a month, so these swings partly reflect which specific homes happened to sell — treat the long-run direction as rough, not precise.
What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $8,427 today, up 37% from $6,163 in September 2021. Most of that increase comes from mortgage rates (3.0% then vs. 6.7% now), not prices — at September 2021 rates, today's median would run about $5,536/mo.
Seasonally, the three months ending in June have been the busiest stretch for closings in Half Moon Bay over the past 5 years (about 32 sales in that window on average, vs. 20 for the stretch ending in February), while competition has run hottest in the stretch ending in May (48% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.
Half Moon Bay currently leans toward buyers. Homes are sitting longer and sellers are more open to negotiation. It is a good time to take your time, request contingencies, and consider offering below asking.
At $1.64M, Half Moon Bay's median is close to the Bay Area average of $1.80M.
By home type:
Prices in Half Moon Bay depend heavily on home type and specific neighborhood. Median sale prices by type:
Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.
Half Moon Bay currently leans toward buyers:
Buyer strategy: a well-structured offer near or below list price has a good chance of success.
At $1.64M with 20% down at 6.71%, your estimated total monthly cost is approximately $10,361:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
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