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Montara CDP, CA

ZIP 94037 — 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 94037

Median Home Value
$1,467,400
Median Rent
N/A
Affordability Snapshot
$404,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,426/mo PITI).

7.3x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 94037 in Montara CDP, CA, a household would need roughly $404,000 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 $9,426. That is about 101% above the local median household income ($201,367), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.5%+37% vs US avg
x
Vacancy Rate
13.5%+31% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
30.8%-19% vs US avg
x
$1,467,400
Home Value
N/A
Rent
1975
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached87.4%
  • 1-unit attached12.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,467,400
Median rent$-666,666,666
Owner-occupied89.5%
Vacant13.5%
Price-to-income7.3x
Est. income to buy$404,000