94065 — San Mateo County, California Market Snapshot
Housing market data for zip code 94065 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$1,680,000
Days to Sell
15
Homes Sold
35
Inventory
24
Sale-to-List
103.0%
New Listings
56
Price/SqFt
$984
Pending Sales
41
Jumbo Loan Likely Needed
The median home in 94065 at $1,680,000 exceeds the 2026 conforming loan limit of $1,249,125 by $430,875. 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 94065 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94065 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94065 at $1,680,000 exceeds the 2026 conforming loan limit of $1,249,125 by $430,875. 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 94065 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 94065
To purchase the median home at $1,680,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,022.
Monthly Payment
$13,022
Income Required
$558,070
Principal & Interest
$10,352/mo
Down Payment (5%)
$84,000
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 94065.
Estimated Monthly Payment
$10,547
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94065.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94065. Tell us what you're looking for.