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 · Part of the Moss Beach housing market
ZIP 94038 is a balanced market, but competition has been picking up. Here's where things stand:
Based on 5 homes sold in the 3 months ending July 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 July 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 balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.
At $1.30M, ZIP 94038's median sits about 28% below the Bay Area average of $1.80M. 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 balanced market where neither side dominates:
Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.
At $1.30M with 20% down at 6.71%, your estimated total monthly cost is approximately $8,253:
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.”
I read every message and usually reply the same day.
