Sugarloaf, San Mateo Housing Market · 2026

Data through Aug 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

Sugarloaf, San Mateo Market Snapshot

Sugarloaf is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 15 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

SalesWhat are homes selling for?
Median Sale Price
$2.05M
▼ Down 10.2% from August 2025
Down $232K from August 2025
Homes Sold
15
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,533/mo
7.28% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,216
  • Property Tax$2,134
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
8 days
▼ 3 fewer days than in August 2025
Homes sell in a week or two
Sale-to-List Ratio
109.1%
▲ Up from 106.2% in August 2025
Selling 9% above asking
% Sold Over Asking
80%
80% of homes sold above their asking price
Active Listings
5
▼ Down 23.2% from August 2025
About 1.1 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Sugarloaf.

Median Sale Price
Down 10.2% year-over-year in Sugarloaf. Based on 15 sales in the last 3 months.
Homes Sold
21% fewer homes sold than a year ago in Sugarloaf.
Total Monthly Payment
Estimated monthly cost is down 9% from a year ago in Sugarloaf, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.28%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Sugarloaf, San Mateo

Is now a good time to buy in Sugarloaf, San Mateo?

Sugarloaf, San Mateo is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.

How do Sugarloaf, San Mateo home prices compare to the Bay Area average?

At $2.05M, Sugarloaf, San Mateo's median is close to the Bay Area average of $1.78M.

Within San Mateo, this area trades about 23% above the city-wide median of $1.67M.

By home type:

  • Single-family homes at $2.22M
  • Condos at $985K
What price range should I budget for in Sugarloaf, San Mateo?

Prices in Sugarloaf, San Mateo depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.22M
  • Condos at $985K

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.

How competitive is Sugarloaf, San Mateo for buyers?

Sugarloaf, San Mateo is one of the Bay Area's more competitive markets:

  • Homes sell about 9% above asking on average
  • 80% close above list price
  • 8 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

What will my total monthly cost be on a median-priced Sugarloaf, San Mateo home?

At $2.05M with 20% down at 7.28%, your estimated total monthly cost is approximately $13,533:

  • $11,216 principal and interest
  • $2,134 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
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.”
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