ZIP 94970, Stinson Beach Housing Market · 2026

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

ZIP 94970, Stinson Beach Market Snapshot

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

Based on 5 homes sold in May 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 May 2026

SalesWhat are homes selling for?
Median Sale Price
$8.53M
Down 20.3% from May 2025
Down $2.17M from May 2025
Homes Sold
5
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$52,165/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$43,095
  • Property Tax$8,887
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
222 days
200 more days than in May 2025
Buyers have time to decide
Sale-to-List Ratio
97.5%
Down from 97.6% in May 2025
Selling 3% below asking
% Sold Over Asking
20%
Only 20% sold above asking. Few bidding wars right now
Active Listings
12
· Up 0.0% from May 2025
About 2.4 months of supply. Moderate selection available

Market Trends

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

Median Sale Price
Down 20.3% year-over-year in 94970, Stinson Beach. Based on 5 sales in the most recent month.
Homes Sold
Total Monthly Payment
Estimated monthly cost is down 23% 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 6.49%. 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 $8.53M, ZIP 94970's median is roughly 5 times the Bay Area median of $1.85M. ZIP 94970 sits at the very top of the regional market.

How competitive is ZIP 94970 for buyers?

ZIP 94970 is a buyer's market:

  • Homes sell about 3% below asking on average
  • 20% close above list price
  • 222 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 $8.53M with 20% down at 6.49%, the monthly cost breakdown:

  • $43,095 principal and interest
  • $8,887 property tax (California 1.25% effective rate)
  • Insurance is highly variable at this price point and scales with the home; plan on $1,500 to $3,000 per month rather than our default

Most buyers at this tier pay a meaningful share in cash, which reduces monthly carrying costs.

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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