The median home in Half Moon Bay, California is valued at $1,488,618, up 0.9% year over year. Typical monthly rent is $3,892, producing a price-to-rent ratio of 31.9x — well above the national average of 18x. Half Moon Bay is part of the San Francisco-Oakland-Berkeley, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,488,618
+0.9%
Rent$3,892/mo
AFFORDABILITYRenting $4,666/mo cheaper ($3,892 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Half Moon Bay.
$297,724 on $1,488,618
Out of reach — 136.9% of income
Need $366,771/yr to afford.
PITI$8,558
P/I136.9%
Afford$304K
Gap-$1184K
P&I $7,527Tax $881Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full San Francisco-Oakland-Berkeley, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Francisco-Oakland-Berkeley, CA metro.
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