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Half Moon Bay city, CA

ZIP 94019 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94019

Median Home Value
$1,509,300
Median Rent
$1,894
Affordability Snapshot
$415,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,695/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

9.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

66.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 94019 in Half Moon Bay city, CA, a household would need roughly $415,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $9,695. That is about 171% above the local median household income ($153,272), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
9.4%-9% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
6.9%-54% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$1,509,300
Home Value
$1,894
Rent
1981
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached70.5%
  • 1-unit attached10.3%
  • 2-9 units7.6%
  • 10+ units5.9%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,509,300
Median rent$1,894
Owner-occupied76.0%
Vacant9.4%
Price-to-income9.8x
Est. income to buy$415,000