94070 — San Mateo County, California Market Snapshot
Housing market data for zip code 94070 in San Mateo County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$968,000
Days to Sell
17
Homes Sold
15
Inventory
15
Sale-to-List
100.6%
New Listings
22
Price/SqFt
$807
Pending Sales
14
Conforming Loan Available
Most homebuyers in 94070 can comfortably use conventional financing. The median home price of $968,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 94070 are moving quickly at 17 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 94070 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 94070 can comfortably use conventional financing. The median home price of $968,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 94070 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 94070
To purchase the median home at $968,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,567.
Monthly Payment
$7,567
Income Required
$324,279
Principal & Interest
$5,965/mo
Down Payment (5%)
$48,400
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 94070.
Estimated Monthly Payment
$6,141
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