Market Overview
Home Prices in Moss Beach, CA
The median home value in Moss Beach, CA is $1,496,332 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.8% 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 Moss Beach are priced265% above average. Moss Beach is part of the San Francisco-Oakland-Berkeley, CA metro area.
Over the past five years, Moss Beach home values have risen by approximately15.4%, reflecting steady appreciation in this market.
Price History
Moss Beach Home Price Trend
City Comparison
Moss Beach vs. National Median
At $1,496,332, homes in Moss Beach cost 265% above the national median of $410,000. Buyers in Moss Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Moss Beach?
20% Down Payment
$299,266
on $1,496,332
Monthly P&I
$7,804/mo
30-yr @ 6.8%
Total Monthly Est.
~$9,911/mo
incl. taxes & insurance
Income Needed
$396,440
gross annual (30% rule)
10% Down Option
$149,633
+ PMI applies
Loan Amount (20% dn)
$1,197,066
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 Moss Beach, CA?
The median home value in Moss Beach is $1,496,332 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.8% year-over-year.
How much have home prices changed in Moss Beach?
Over the past year, home values in Moss Beach have increased by 0.8%. Over five years, prices have risen approximately 15.4%.
How much do I need to earn to buy a home in Moss Beach?
To comfortably afford the median home price of $1,496,332 with a 20% down payment ($299,266) at today's rates (6.8%), you'd need a gross annual income of approximately $396,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Moss Beach compare to the national average home price?
The national median home value is approximately $410,000. At $1,496,332, homes in Moss Beach are 265% above the national average.
What metro area is Moss Beach part of?
Moss Beach is part of the San Francisco-Oakland-Berkeley, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.