94027 — San Mateo County, California Market Snapshot
Housing market data for zip code 94027 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$10,500,000
Days to Sell
19
Homes Sold
29
Inventory
13
Sale-to-List
101.1%
New Listings
33
Price/SqFt
$2,199
Pending Sales
26
Jumbo Loan Likely Needed
The median home in 94027 at $10,500,000 exceeds the 2026 conforming loan limit of $1,249,125 by $9,250,875. 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 94027 are moving quickly at 19 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 94027 (101.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 94027 at $10,500,000 exceeds the 2026 conforming loan limit of $1,249,125 by $9,250,875. 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 94027 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 94027
To purchase the median home at $10,500,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $80,598.
Monthly Payment
$80,598
Income Required
$3,454,185
Principal & Interest
$64,698/mo
Down Payment (5%)
$525,000
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 94027.
Estimated Monthly Payment
$65,132
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94027.
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