How much do homeowners pay a month in Half Moon Bay, CA?

Name: Homeowner costs in Half Moon Bay, CA, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Half Moon Bay, CA pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,190 (±$314).

68.3% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,190 (±$314)
Owned with a mortgage: 68.3%

Monthly owner costs in Half Moon Bay

Median selected monthly owner costs, estimate (90% margin of error)
	Half Moon Bay	San Mateo County	California	United States
With a mortgage	$4,000 or more	$4,000 or more	$2,946 (±$5)	$1,963
Without a mortgage	$1,190 (±$314)	$1,113 (±$26)	$829 (±$3)	$638
Owned homes with a mortgage	68.3% (±6.0 points)	66.1% (±0.8 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$9,519 (±$153)	$5,124 (±$17)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

How owner costs in Half Moon Bay have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median home value	$999,500 (±$79,774)	$1,549,500 (±$110,431)	+55.0%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Half Moon Bay

Nearest places with a published estimate, compared with Half Moon Bay
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Half Moon Bay	—	$4,000 or more	—
El Granada	3.5 mi	$3,931 (±$607)	—
Moss Beach	4.5 mi	$3,355 (±$1,398)	—
Montara	6.3 mi	$4,000 or more	—
Highlands	6.3 mi	$4,000 or more	—
Baywood Park	6.9 mi	$4,000 or more	—
Hillsborough	7.7 mi	$4,000 or more	—
Belmont	8.6 mi	$4,000 or more	—
Millbrae	9.3 mi	$4,000 or more	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across San Mateo County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Atherton	$4,000 or more
1 (tie)	Belmont	$4,000 or more
1 (tie)	Brisbane	$4,000 or more
1 (tie)	Burlingame	$4,000 or more
1 (tie)	Colma	$4,000 or more
1 (tie)	Foster City	$4,000 or more
1 (tie)	Half Moon Bay	$4,000 or more
1 (tie)	Hillsborough	$4,000 or more
1 (tie)	Menlo Park	$4,000 or more
1 (tie)	Millbrae	$4,000 or more
1 (tie)	Portola Valley	$4,000 or more
1 (tie)	Redwood City	$4,000 or more
1 (tie)	San Carlos	$4,000 or more

Showing 13 of 31 places in San Mateo County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Half Moon Bay

What is the average mortgage payment in Half Moon Bay?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Half Moon Bay, CA is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Half Moon Bay?

Owners without a mortgage in Half Moon Bay pay a median of $1,190 (±$314) a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Half Moon Bay city, California (place:31708, in state:06).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.