94005 — San Mateo County, California Market Snapshot
Housing market data for zip code 94005 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the San Mateo County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$1,250,000
Days to Sell
22
Homes Sold
9
Inventory
7
Jumbo Loan Likely Needed
The median home in 94005 at $1,250,000 exceeds the 2026 conforming loan limit of $1,249,125 by $875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 94005 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 94005 at $1,250,000 exceeds the 2026 conforming loan limit of $1,249,125 by $875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94005 are set at the county level.
2026 Loan Limits — San Mateo County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94005
To purchase the median home at $1,250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,727.
Monthly Payment
$9,727
Income Required
$416,876
Principal & Interest
$7,702/mo
Down Payment (5%)
$62,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94005.
Estimated Monthly Payment
$7,886
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