94015 — San Mateo County, California Market Snapshot
Housing market data for zip code 94015 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$1,339,000
Days to Sell
14
Homes Sold
64
Inventory
8
Sale-to-List
112.0%
New Listings
68
Price/SqFt
$921
Pending Sales
76
Jumbo Loan Likely Needed
The median home in 94015 at $1,339,000 exceeds the 2026 conforming loan limit of $1,249,125 by $89,875. 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 94015 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 94015 are selling 12.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94015 at $1,339,000 exceeds the 2026 conforming loan limit of $1,249,125 by $89,875. 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 94015 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 94015
To purchase the median home at $1,339,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,409.
Monthly Payment
$10,409
Income Required
$446,100
Principal & Interest
$8,250/mo
Down Payment (5%)
$66,950
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 94015.
Estimated Monthly Payment
$8,437
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