94014 — San Mateo County, California Market Snapshot
Housing market data for zip code 94014 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$1,150,000
Days to Sell
14
Homes Sold
37
Inventory
17
Sale-to-List
109.9%
New Listings
38
Price/SqFt
$723
Pending Sales
32
Conforming Loan Available
The median home in 94014 at $1,150,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 94014 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94014 are selling 9.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94014 at $1,150,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 94014 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 94014
To purchase the median home at $1,150,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,961.
Monthly Payment
$8,961
Income Required
$384,040
Principal & Interest
$7,086/mo
Down Payment (5%)
$57,500
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 94014.
Estimated Monthly Payment
$7,267
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