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 Sep 2026 · Part of the Moss Beach housing market
ZIP 94038 offers real opportunities for buyers right now:
Based on 8 homes sold in the 3 months ending September 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 September 2026
See how prices, monthly costs, and mortgage rates have moved in 94038, Moss Beach.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
ZIP 94038 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.
At $1.32M, ZIP 94038's median sits about 25% below the Bay Area average of $1.77M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 94038 is one of the more accessible corners of the Bay Area.
ZIP 94038 is a buyer's market:
Buyer strategy: well-structured offers below asking can succeed here.
At $1.32M with 20% down at 7.4%, your estimated total monthly cost is approximately $8,900:
HOA fees are extra.
→“Mel did an amazing job helping us buy our first home. When we first met her, we had done literally zero of the steps needed to buy a house, and 28 days later we closed.”
“I work in commercial real estate with many different agents and I can proudly say that Mel is above the rest.”
“Working with Mel was the best decision I made in my home-buying journey. She was incredibly patient, taking the time to explain every detail of the process to me.”
“Mel did an incredible job helping me find and purchase my first home! She was very responsive, professional, and knowledgeable.”
“Working with Mel was a fantastic experience from start to finish. We were immediately impressed by her active listening and her ability to translate our needs.”
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