ZIP 94970, Stinson Beach Housing Market · 2026

Data through Sep 2026 · Part of the Stinson Beach housing market

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

ZIP 94970, Stinson Beach Market Snapshot

ZIP 94970 offers real opportunities for buyers, and the balance keeps tilting their way:

Based on 6 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

SalesWhat are homes selling for?
Median Sale Price
$4.19M
▼ Down 16.1% from September 2025
Down $806K from September 2025
Homes Sold
6
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$27,773/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$23,223
  • Property Tax$4,367
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
69 days
▲ 21 more days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
94.0%
▼ Down from 94.2% in September 2025
Selling 6% below asking
% Sold Over Asking
17%
Only 17% sold above asking. Few bidding wars right now
Active Listings
10
▼ Down 20.1% from September 2025
About 4.8 months of supply. Plenty of options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94970, Stinson Beach.

Median Sale Price
Down 16.1% year-over-year in 94970, Stinson Beach. Based on 6 sales in the last 3 months.
Homes Sold
20% more homes sold than a year ago in 94970, Stinson Beach.
Total Monthly Payment
Estimated monthly cost is down 11% from a year ago in 94970, Stinson Beach, 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 94970

Is now a good time to buy in ZIP 94970?

ZIP 94970 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 94970 home prices compare to the Bay Area average?

At $4.19M, ZIP 94970's median sits about 137% above the Bay Area average of $1.77M. ZIP 94970 is on the higher end of the regional market.

How competitive is ZIP 94970 for buyers?

ZIP 94970 is a buyer's market:

  • Homes sell about 6% below asking on average
  • 17% close above list price
  • 69 days typical time to go pending

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

What will my total monthly cost be on a median-priced ZIP 94970 home?

At $4.19M with 20% down at 7.4%, your estimated total monthly cost is approximately $27,773:

  • $23,223 principal and interest
  • $4,367 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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