Market Overview
Home Prices in Montara, CA
The median home value in Montara, CA is $1,477,075 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.6% compared to a year ago and up 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Montara are priced260% above average. Montara is part of the San Francisco-Oakland-Berkeley, CA metro area.
Over the past five years, Montara home values have risen by approximately17.0%, reflecting steady appreciation in this market.
Price History
Montara Home Price Trend
City Comparison
Montara vs. National Median
At $1,477,075, homes in Montara cost 260% above the national median of $410,000. Buyers in Montara should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Montara?
20% Down Payment
$295,415
on $1,477,075
Monthly P&I
$7,704/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,784/mo
incl. taxes & insurance
Income Needed
$391,360
gross annual (30% rule)
10% Down Option
$147,708
+ PMI applies
Loan Amount (20% dn)
$1,181,660
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 Montara, CA?
The median home value in Montara is $1,477,075 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.6% year-over-year.
How much have home prices changed in Montara?
Over the past year, home values in Montara have increased by 1.6%. Over five years, prices have risen approximately 17.0%.
How much do I need to earn to buy a home in Montara?
To comfortably afford the median home price of $1,477,075 with a 20% down payment ($295,415) at today's rates (6.8%), you'd need a gross annual income of approximately $391,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Montara compare to the national average home price?
The national median home value is approximately $410,000. At $1,477,075, homes in Montara are 260% above the national average.
What metro area is Montara part of?
Montara is part of the San Francisco-Oakland-Berkeley, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.