ZIP 94970, Stinson Beach Housing Market · 2026

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

ZIP 94970, Stinson Beach Market Snapshot

ZIP 94970 leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 5 homes sold in March 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 March 2026

SalesWhat are homes selling for?
Median Sale Price
$4.00M
Down 31.6% from March 2025
Down $1.85M from March 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
~$24,639/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$20,289
  • Property Tax$4,167
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
104 days
268 fewer days than in March 2025
Buyers have time to decide
Sale-to-List Ratio
100.5%
Up from 97.6% in March 2025
Selling at or near asking price
% Sold Over Asking
40%
40% of homes sold above asking, some competition
Active Listings
7
Up 40.0% from March 2025
About 1.4 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
Down 31.6% 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 33% 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 6.53%. 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 leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

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

At $4.00M, ZIP 94970's median sits about 113% above the Bay Area average of $1.88M. ZIP 94970 is on the higher end of the regional market.

How competitive is ZIP 94970 for buyers?

ZIP 94970 currently leans toward buyers:

  • Homes sell about 0.5% above asking on average
  • 40% close above list price
  • 104 days typical time to go pending

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

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

At $4.00M with 20% down at 6.53%, your estimated total monthly cost is approximately $24,639:

  • $20,289 principal and interest
  • $4,167 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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