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.

Home Value$1,488,618

+0.9%

Rent$3,892/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Half Moon Bay.

Income (annual)

Down Payment

$297,724 on $1,488,618

Example: $75,000 household income. Change it above to see your own.

Out of reach136.9% of income

Need $366,771/yr to afford.

PITI$8,558

P/I136.9%

Afford$304K

Gap-$1.18M

P&I $7,527Tax $881Ins $150

Renting $4,666/mo cheaper ($3,892 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Half Moon Bay with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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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Half Moon Bay, CA