DRE #02250755“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
DRE #02250755“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
Data through Aug 2026
Half Moon Bay offers real opportunities for buyers right now:
Based on 32 homes sold in the 3 months ending August 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through August 2026
See how prices, monthly costs, and mortgage rates have moved in Half Moon Bay.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
The median sale price in Half Moon Bay is $1.70M — almost exactly where it stood in October 2021 ($1.70M). Over that stretch, the median peaked at $1.85M in August 2023 and bottomed at $1.32M in October 2022. That puts today's price about 7% above the area's 5-year average of $1.59M. Half Moon Bay averages only about 9 sales a month, so these swings partly reflect which specific homes happened to sell — treat the long-run direction as rough, not precise.
What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $8,734 today, up 50% from $5,837 in October 2021. Most of that increase comes from mortgage rates (3.1% then vs. 6.7% now), not prices — at October 2021 rates, today's median would run about $5,833/mo.
Seasonally, the three months ending in June have been the busiest stretch for closings in Half Moon Bay over the past 5 years (about 32 sales in that window on average, vs. 20 for the stretch ending in February), while competition has run hottest in the stretch ending in May (48% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.
Half Moon Bay is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.
At $1.70M, Half Moon Bay's median is close to the Bay Area average of $1.78M.
By home type:
Prices in Half Moon Bay depend heavily on home type and specific neighborhood. Median sale prices by type:
Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.
Half Moon Bay is a buyer's market:
Buyer strategy: well-structured offers below asking can succeed here.
At $1.70M with 20% down at 7.28%, your estimated total monthly cost is approximately $11,252:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
→“Mel did an amazing job helping us buy our first home. When we first met her, we had done literally zero of the steps needed to buy a house, and 28 days later we closed.”
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“Working with Mel was the best decision I made in my home-buying journey. She was incredibly patient, taking the time to explain every detail of the process to me.”
“Mel did an incredible job helping me find and purchase my first home! She was very responsive, professional, and knowledgeable.”
“Working with Mel was a fantastic experience from start to finish. We were immediately impressed by her active listening and her ability to translate our needs.”
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