Sugarloaf, San Mateo Housing Market · 2026

Data through Mar 2026

Sugarloaf, San Mateo Market Snapshot

Sugarloaf is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 10 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
$2.22M
Down 1.1% from March 2025
Down $25K from March 2025
Homes Sold
10
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,784/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,283
  • Property Tax$2,317
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
10.5 days
16 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
109.7%
Up from 104.3% in March 2025
Selling 10% above asking
% Sold Over Asking
100%
100% of homes sold above their asking price
Active Listings
9
Up 50.0% from March 2025
About 0.9 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Sugarloaf.

Median Sale Price
Down 1.1% year-over-year in Sugarloaf. Based on 10 sales in the most recent month.
Homes Sold
11% more homes sold than a year ago in Sugarloaf.
Total Monthly Payment
Estimated monthly cost is down 3% from a year ago in Sugarloaf, 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 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Sugarloaf, San Mateo

Is now a good time to buy in Sugarloaf, San Mateo?

Sugarloaf, San Mateo is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.

How do Sugarloaf, San Mateo home prices compare to the Bay Area average?

At $2.22M, Sugarloaf, San Mateo's median is close to the Bay Area average of $1.88M.

Within San Mateo, this area trades about 32% above the city-wide median of $1.69M.

How competitive is Sugarloaf, San Mateo for buyers?

Sugarloaf, San Mateo is one of the Bay Area's more competitive markets:

  • Homes sell about 10% above asking on average
  • 100% close above list price
  • 10.5 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

What will my total monthly cost be on a median-priced Sugarloaf, San Mateo home?

At $2.22M with 20% down at 6.53%, your estimated total monthly cost is approximately $13,784:

  • $11,283 principal and interest
  • $2,317 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra.

No noise, just a quick weekly read on what's going on in your market.

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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