The median home in San Mateo, California is valued at $1,603,057, down 0.1% year over year. Typical monthly rent is $3,370, producing a price-to-rent ratio of 39.6x — well above the national average of 18x. San Mateo is part of the San Francisco-Oakland-Berkeley, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: San Francisco-Oakland-Berkeley, CA stress score, crash risk, and 12-month forecast →
Home Value$1,603,057
-0.1%
Rent$3,370/mo
AFFORDABILITYRenting $5,834/mo cheaper ($3,370 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for San Mateo.
$320,611 on $1,603,057
Out of reach — 147.3% of income
Need $394,457/yr to afford.
PITI$9,204
P/I147.3%
Afford$305K
Gap-$1298K
P&I $8,106Tax $948Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
Compare San Mateo with other housing markets across California.
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.
View San Francisco-Oakland-Berkeley, CA metro →