Moss Beach, California.
Typical home $1,512,985 (+3.5% in a year). San Francisco-Oakland-Berkeley, CA metro.
to buy the typical home at today's mortgage rate — +$3,905 (+97%) since Jan 2020.
- 1 year
- Up $51,049 +3%
- $1,461,936$1,512,985 since Sep 2025
- 5 years
- Up $200,474 +15%
- $1,312,512$1,512,985 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Moss Beach$7,941
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Moss Beach, CA rose 3.5% over the past year — faster than the nation's +1.2%.
Living in Moss Beach, San Mateo County, California
Moss Beach, in San Mateo County, had 3,214 people in the 2020 census. 99% of its homes are lived in by their owners and 1% are rented. Unemployment in San Mateo County was 4.0% in August 2026, and the county had 1.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Moss Beach is a small coastal community in San Mateo County, and nearly everyone who lives here owns the home they live in. Home values run high, and household incomes across the county are well above what is typical for the country. Winters are mild and summers stay cool, with little or no snow and a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, or in restaurants, hotels and entertainment. Across San Mateo County, large workplaces include Genentech, which does biological research, and Equinix, which runs data centers. The county has lost a few jobs over the past year, and unemployment is slightly lower than a year ago. The typical commute is a fairly long one.
Things to do. For a day out, Golden Gate Park in San Francisco is the best known of the nearby places, a large public garden a longer drive away. The San Francisco Museum of Modern Art is also a longer drive away. So is Oracle Park, the ballpark where the city's baseball team plays.
Report a mistake
- 915households
- 9%below the poverty line
- 32 mintypical commute
What residents work in
Employed residents by industry, from the Census survey. San Mateo County had 411,346 jobs in 2025, 1.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 59° and lows near 43°; warmest in September, with highs near 66° and lows near 51°. About 26 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Half Moon Bay weather station, 4 miles away (NOAA).
Largest workplaces in San Mateo County
- United Continental Holdings Inc SFO12,939
- Genentech SSFCommercial physical and biological research10,773
- ChildCare CareersHelp supply services3,784
- ZooxCab services2,476
- City & County of San Francisco/Passenger air transportation, scheduled1,821
- EquinixLessors of other real estate property; data centers1,794
- Alaska AirlinesScheduled air passenger transportation1,654
- Mills Peninsula Medical CenterGeneral hospital1,438FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 505 workplaces with 20 or more staff, 104,142 people in all across the county; Moss Beach has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LandslidesRelatively high
- EarthquakesRelatively high
- TsunamisRelatively moderate
- Coastal floodingRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Moss Beach’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Mateo County and the San Francisco-Oakland-Berkeley, CA metro.
Moss Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Moss Beach$1,512,985
- California$761,538
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Moss Beach8
Zip codes with a Moss Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Moss Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Moss Beach
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 94037 | Montara | 2,917 | — | $1,471,750 |
| 94038 | Moss Beach | 2,683 | — | $1,486,475 |