ZIP 94019, Half Moon Bay Housing Market · 2026

Data through Sep 2026 · Part of the Half Moon Bay housing market

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

ZIP 94019, Half Moon Bay Market Snapshot

ZIP 94019 offers real opportunities for buyers right now:

Based on 34 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$1.70M
▼ Down 0.0% from September 2025
Down $510 from September 2025
Homes Sold
34
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$11,367/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$9,414
  • Property Tax$1,770
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
59 days
▲ 35 more days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
98.9%
▲ Up from 98.1% in September 2025
Selling 1% below asking
% Sold Over Asking
12%
Only 12% sold above asking. Few bidding wars right now
Active Listings
42
▼ Down 9.7% from September 2025
About 3.8 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94019, Half Moon Bay.

Median Sale Price
Roughly flat year-over-year in 94019, Half Moon Bay. Based on 34 sales in the last 3 months.
Homes Sold
8% fewer homes sold than a year ago in 94019, Half Moon Bay.
Total Monthly Payment
Estimated monthly cost is up 6% from a year ago in 94019, 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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94019

Is now a good time to buy in ZIP 94019?

ZIP 94019 is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.

How do ZIP 94019 home prices compare to the Bay Area average?

At $1.70M, ZIP 94019's median is close to the Bay Area average of $1.77M.

This is close to the Half Moon Bay city-wide median of $1.72M.

By home type:

  • Single-family homes at $1.72M
  • Condos at $1.09M
  • Townhomes at $923K
What price range should I budget for in ZIP 94019?

Prices in ZIP 94019 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.72M
  • Condos at $1.09M
  • Townhomes at $923K

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.

How competitive is ZIP 94019 for buyers?

ZIP 94019 is a buyer's market:

  • Homes sell about 1% below asking on average
  • 12% close above list price
  • 59 days typical time to go pending
  • 38% of listings have had a price reduction

Buyer strategy: well-structured offers below asking can succeed here.

What will my total monthly cost be on a median-priced ZIP 94019 home?

At $1.70M with 20% down at 7.4%, your estimated total monthly cost is approximately $11,367:

  • $9,414 principal and interest
  • $1,770 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

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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