Real Estate Investing in Half Moon Bay, California (94019)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 94019 (Half Moon Bay, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 8.4% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
- High price-to-rent: Price-to-rent ratio 27.6 — hard to cash-flow at these prices.
What’s happening in Half Moon Bay, CA (94019)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 94019 Half Moon Bay
ZIP 94019 in Half Moon Bay, CA carries a substantial set of headwinds. Home values near $1.6M and rents of $4,738/mo sit inside a market where underwriting has to be tight.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $1.6M asset, 94019 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 94019 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Employment concentration in 94019 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategically, 94019 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Half Moon Bay:
Property Strategy for 94019
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $954,582 | $3,170 | 2.4% | +2.6% | $477,291 |
| 3BR | $1,467,387 | $4,050 | 2.0% | +5.4% | $489,129 |
| 4BR | $1,866,875 | $4,200 | 1.6% | +6.5% | $466,719 |
| 5BR | $2,319,490 | — | — | +6.3% | $463,898 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 94019 Compare?
| Metric | 94019 | Half Moon Bay | San Francisco-Oakland-Berkeley, CA | California |
|---|---|---|---|---|
| Home Value | $1,571,151 | $1,540,667 | N/A | $761,003 |
| 5-Year CAGR | 2.9% | 2.6% | N/A | 5.7% |
| Avg Rent | $4,738 | $3,840 | N/A | - |
| Cap Rate | 2.4% | 1.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 94019 (Half Moon Bay, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 94019 (Half Moon Bay, CA)?
~25 seconds · no account needed · your report is anonymous
Property managers serving San Mateo County
Manage rentals here? List your business →Bayside Property Management is a Peninsula Property Management Company serving San Mateo County. summary from their website
Boardwalk Investments Property Management specializes in property management and leasing in San Francisco and the Northern Peninsula. summary from their website
Five Star Property Management is a leader in single-family, condominium, and multi-family apartment rentals property management in San Mateo and Northern California. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $1,571,151 |
| Monthly Rent | $4,738 |
| Price-to-Rent | 27.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.6% |
| Cap Rate | 2.4% |
| 5-Year IRR | 5.3% |
📈 Home Appreciation
| 1-Year | +2.3% ▲ |
| 3-Year CAGR | +2.8% ▲ |
| 5-Year CAGR | +2.9% ▲ |
| 10-Year CAGR | +4.7% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 94019
Population: 14,754
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 94019
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 607 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Should investors consider Half Moon Bay, CA?
With a 3.0/5 investability score, Half Moon Bay, CA ranks as a solid market for rental property investors. Median prices of $1.6M and rents of $4,738/mo drive the underlying numbers.
How expensive is real estate in Half Moon Bay, CA?
Median home price in Half Moon Bay, CA is near $1.6M, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.
What are rental rates like in Half Moon Bay, CA?
Rental rates in Half Moon Bay, CA average $4,738/mo. Tenant demand and $1.6M home values make the yield look reasonable by investor standards.
How do landlord-tenant laws work in Half Moon Bay, CA?
CA ranks as a tenant-protective state for landlord-tenant law. Half Moon Bay generally follows the statewide framework, so landlords face reasonable operating rules.
How tight is the rental market in Half Moon Bay, CA?
Vacancy risk in Half Moon Bay, CA is elevated. That supports consistent cash flow for typical rental holds.
You know 94019 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 94019 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 94019 ranks in San Francisco-Oakland-Berkeley, CA
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 94019 (Half Moon Bay)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 94019 (Half Moon Bay, CA).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.