94019 — San Mateo County, California Market Snapshot
Housing market data for zip code 94019 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$1,585,000
Days to Sell
26
Homes Sold
22
Inventory
30
Sale-to-List
100.1%
New Listings
51
Price/SqFt
$785
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 94019 at $1,585,000 exceeds the 2026 conforming loan limit of $1,249,125 by $335,875. 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 94019 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 94019 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 94019 at $1,585,000 exceeds the 2026 conforming loan limit of $1,249,125 by $335,875. 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 94019 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 94019
To purchase the median home at $1,585,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,294.
Monthly Payment
$12,294
Income Required
$526,876
Principal & Interest
$9,766/mo
Down Payment (5%)
$79,250
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 94019.
Estimated Monthly Payment
$9,959
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94019.
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