Moss Beach, CA—94038
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Moss Beach, CA
As of Oct '25, the median home price in Moss Beach, CA is $1,432,000, with a year-over-year change of 0.9%. This indicates that home prices in Moss Beach, CA are flat. According to Zillow, the 1-year price projection is -1.6%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,432,000 | 0.9% |
| Single Family | $1,431,000 | 1.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $1,162,000 | 0.1% |
3 Bed | $1,402,000 | 0.9% |
4 Bed | $1,605,000 | 3.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Moss Beach, CA
As of July '25, Rentcast reports the average rent in Moss Beach, CA is $4,200, with a year-over-year rent change of -5.2%. Per bedroom, the median rent as of July '25 in Moss Beach, CA is 2-bedrooms: $3,200, 3-bedrooms: $5,200. The most common rental property sizes in Moss Beach, CA are 1-bedroom and 2-bedroom, accounting for 50.0% and 50.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,200 | $4,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $3,200 | $3,200 |
| 3 Bed Rent | $5,200 | $5,200 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Moss Beach, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Moss Beach, CA is 43. This is a decrease of -23.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,770,000 | -20.0% |
Listing Count | 12 | 7.0% |
| Listings as % of Homes | 0.5% | 7.0% |
Days on Market | 43 | -23.0% |
Demographics — Moss Beach, CA
As of the latest ACS Survey released in 2023, Moss Beach, CA has a population of 3,020, which has decreased by -18.2% over the past 5 years. Moss Beach, CA is a moderately popular place for families, as children make up 23.1% of the population. The area has a highly educated workforce, with 51.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,020 | -18.2% |
% Under 18 | 23.1% | -24.8% |
% Seniors | 19.3% | 22.9% |
% WFH | 18.3% | 63.4% |
% w/ College Degree | 51.1% | 2.0% |
As of the latest ACS Survey released in 2023, Moss Beach, CA is a predominantly white area, with 58.8% of the population identifying as white. The white population has grown by 11.4% in the last 5 years. The second most common race or ethnicity in Moss Beach, CA is hispanic, making up 29.5% of the population. Foreign-born residents account for 24.6% of the population in Moss Beach, CA, and this percentage has increased by 30.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 58.8% | 11.4% |
% Black | 0.5% | 25.0% |
% Hispanic | 29.5% | -21.5% |
% Asian | 5.3% | 120.8% |
% Foreign Born | 24.6% | 30.9% |
Mortgage and Risk — Moss Beach, CA
According to HUD data as of 2023, there were 64 mortgage originations in Moss Beach, CA, of which 95.0% of loans were conventional mortgages. The average loan-to-value was 40.0%, with 0.0% above 90% LTV (normal). This implies small mortgage risk in Moss Beach, CA. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 64 |
% Conventional Loans | 95.0% |
% Government Loans | 5.0% |
% Investor Loans | 0.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Moss Beach, CA
Moss Beach, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 4 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 8.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,680 |
| 2 Bedroom | -$10 | $3,200 | $3,190 |
| 3 Bedroom | -$1,300 | $5,200 | $3,900 |
| 4 Bedroom | N/A | N/A | $4,240 |
Affordability — Moss Beach, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 10.1 |
| Median Home Price | $1,432,000 |
| Median Household Income | $128,000 |