ZIP 94970, Stinson Beach Housing Market · 2026

Data through Jul 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 is a balanced market, but competition has been picking up. Here's where things stand:

Based on 11 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

SalesWhat are homes selling for?
Median Sale Price
$5.80M
Up 9.1% from July 2025
Up $484K from July 2025
Homes Sold
11
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$36,189/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$29,965
  • Property Tax$6,040
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
27 days
16 fewer days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
100.3%
Up from 95.4% in July 2025
Selling at or near asking price
% Sold Over Asking
45%
45% of homes sold above asking, some competition
Active Listings
6
Down 41.6% from July 2025
About 1.7 months of supply. Very low, limited options for buyers

Market Trends

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

Median Sale Price
Up 9.1% year-over-year in 94970, Stinson Beach. Based on 11 sales in the last 3 months.
Homes Sold
38% more homes sold than a year ago in 94970, Stinson Beach.
Total Monthly Payment
Estimated monthly cost is up 8% 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 6.71%. 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 balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.

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

At $5.80M, ZIP 94970's median is roughly 3 times the Bay Area median of $1.80M. ZIP 94970 sits at the very top of the regional market.

How competitive is ZIP 94970 for buyers?

ZIP 94970 is a balanced market where neither side dominates:

  • Homes sell about 0.3% above asking on average
  • 45% close above list price
  • 27 days typical time to go pending

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

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

At $5.80M with 20% down at 6.71%, the monthly cost breakdown:

  • $29,965 principal and interest
  • $6,040 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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