Market AnalysisUpdated March 2026

San Mateo County, CA — Market Snapshot

Real estate market data for San Mateo County, California. Census demographics, rental trends, and economic indicators for investors and developers.

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Population

745,100

ACS 2023

Median Household Income

$164,745

ACS 2023

Renter-Occupied

41%

ACS 2023

Median Rent

$2,870/mo

ACS 2023

Source: U.S. Census Bureau, American Community Survey 2023

Population & Income Profile

Age Distribution

Under 19

21.9%

Ages 20–29

11.9%

Ages 30–39

15.4%

Ages 40–49

13.7%

Ages 50–59

13.6%

Ages 60–69

11.7%

Over 70

11.9%

Household Income Distribution

Under $30K

9.0%

$30K–$50K

7.0%

$50K–$75K

00.0%

$75K–$100K

00.0%

$100K–$150K

00.0%

Above $150K

00.0%

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Source: U.S. Census Bureau, American Community Survey 2023

Housing Affordability

Affordability Label

Very Expensive (>7x)

ACS 2023

Price-to-Income Ratio

10.7x

Redfin SFR ÷ FRED Per Capita Income

Very Affordable (<3x)Moderate (3–5x)Expensive (5–7x)Very Expensive (>7x)

10.7x

At 10.7x price-to-income, median home prices in San Mateo County are significantly above what income alone can support.

Affordability label: U.S. Census Bureau ACS 2023. Price-to-income: Redfin median sale price (SFR, Dec 2025) ÷ FRED per capita personal income (Q4 2025).

Housing Market Overview

Median Home Value

$1,930,000

Median Gross Rent

$2,870/mo

Homeownership Rate

59%

Typical Monthly Housing Cost(owner-occupied w/ mortgage)

$3,123/mo

Median Annual Property Tax(ACS estimate)

$8,396

Vacancy Rate

Dashboard

Source: U.S. Census Bureau, ACS 2023. Monthly Housing Cost: ACS B25105. Property Tax: ACS B25103.

Home Price Index

San Mateo County HPI

N/A

FRED Q4 2025

Since 2020

N/A

vs. 2020 baseline

Source: Federal Reserve Economic Data (FRED) — FHFA House Price Index. Updated Q4 2025.

Investment Analysis

Market Tier

Bawa Score: 0 / 100

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Economic Indicators

Unemployment Rate

3.5%

Per Capita Personal Income

$179,656

Labor Force

404,690

GDP

$197B

Building Permits

1,088

▲ +1.3% since 2020

State Overview

State Tax Revenue (quarterly)millions USD, not seasonally adjusted

$75.7B

State Home Price Index

972.4

State GDP

$4.0T

Source: Federal Reserve Economic Data (FRED). Updated Q4 2025.

Nearby Markets

Alameda County, CA →Alpine County, CA →Amador County, CA →Butte County, CA →Calaveras County, CA →

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