Market Overview
Home Prices in Half Moon Bay, CA
The median home value in Half Moon Bay, CA is $1,559,314 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.2% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Half Moon Bay are priced280% above average. Half Moon Bay is part of the San Francisco-Oakland-Berkeley, CA metro area.
Over the past five years, Half Moon Bay home values have risen by approximately14.6%, reflecting steady appreciation in this market.
Price History
Half Moon Bay Home Price Trend
City Comparison
Half Moon Bay vs. National Median
At $1,559,314, homes in Half Moon Bay cost 280% above the national median of $410,000. Buyers in Half Moon Bay should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Half Moon Bay?
20% Down Payment
$311,863
on $1,559,314
Monthly P&I
$8,132/mo
30-yr @ 6.8%
Total Monthly Est.
~$10,328/mo
incl. taxes & insurance
Income Needed
$413,120
gross annual (30% rule)
10% Down Option
$155,931
+ PMI applies
Loan Amount (20% dn)
$1,247,451
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Half Moon Bay, CA?
The median home value in Half Moon Bay is $1,559,314 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.2% year-over-year.
How much have home prices changed in Half Moon Bay?
Over the past year, home values in Half Moon Bay have increased by 0.2%. Over five years, prices have risen approximately 14.6%.
How much do I need to earn to buy a home in Half Moon Bay?
To comfortably afford the median home price of $1,559,314 with a 20% down payment ($311,863) at today's rates (6.8%), you'd need a gross annual income of approximately $413,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Half Moon Bay compare to the national average home price?
The national median home value is approximately $410,000. At $1,559,314, homes in Half Moon Bay are 280% above the national average.
What metro area is Half Moon Bay part of?
Half Moon Bay is part of the San Francisco-Oakland-Berkeley, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.