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.

Home Value$1,603,057

-0.1%

Rent$3,370/mo

Prices falling — better for buyers.

Affordability

Enter your income for San Mateo.

Income (annual)

Down Payment

$320,611 on $1,603,057

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

Out of reach147.3% of income

Need $394,457/yr to afford.

PITI$9,204

P/I147.3%

Afford$305K

Gap-$1.3M

P&I $8,106Tax $948Ins $150

Renting $5,834/mo cheaper ($3,370 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 San Mateo 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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San Mateo, CA