San Francisco-Oakland-Berkeley, CA · California
San Mateo County
745,100 residents1,986 permits TTM$156,000 median HHI30 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$1,494,500
ACS 5-Year
Cap rate proxy
2.3%
FMR × 0.65 ÷ Home Value
Rent-to-income
22.3%
HUD FMR ÷ ACS HHI
Net migration
+2.72%
IRS SOI
Permits (TTM)
1,986
Census BPS
Climate risk
99.2
FEMA NRI (0–100)
ZIP code breakdown30 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 94014 | — | — | — | 3.9% | — |
| 94080 | — | — | — | 3.5% | — |
| 94063 | — | — | — | 3.5% | — |
| 94020 | $1,494,500 | $4,030 | 3.2% | 3.5% | 28.2% |
| 94044 | — | — | — | 3.3% | — |
| 94005 | — | — | — | 3.1% | — |
| 94401 | — | — | — | 3.0% | — |
| 94066 | — | — | — | 2.9% | — |
| 94060 | — | — | — | 2.9% | — |
| 94065 | — | — | — | 2.8% | — |
| 94015 | — | — | — | 2.7% | — |
| 94404 | — | — | — | 2.7% | — |
| 94038 | — | — | — | 2.4% | — |
| 94403 | — | — | — | 2.4% | — |
| 94018 | — | — | — | 2.3% | — |
| 94021 | —county est. | — | — | 2.3% | — |
| 94037 | — | — | — | 2.3% | — |
| 94074 | —county est. | — | — | 2.3% | — |
| 94128 | —county est. | — | — | 2.3% | — |
| 94019 | — | — | — | 2.2% | — |
| 94030 | — | — | — | 2.2% | — |
| 94061 | — | — | — | 2.2% | — |
| 94070 | — | — | — | 2.0% | — |
| 94402 | — | — | — | 1.8% | — |
| 94002 | — | — | — | 1.7% | — |
| 94025 | — | — | — | 1.7% | — |
| 94062 | — | — | — | 1.5% | — |
| 94010 | — | — | — | 1.3% | — |
| 94028 | $1,494,500 | $3,820 | 3.1% | 0.8% | 24.3% |
| 94027 | — | — | — | 0.4% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
59.1%
Census ACS
Vacancy rate
7.4%
Census ACS
Bachelor's degree +
53.1%
Census ACS
Rent burdened
46.8%
Census ACS (>30% income)
Median age
40.6
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026