San Mateo Home Value
Estimator & Market Report
Benchmark three portal estimates and a multi-model AI appraisal panel — with San Mateo transfer taxes and your 1% net equity built in.
San Mateo (94401–94403) pairs a vibrant downtown and Caltrain access with prestige Baywood and San Mateo Park neighborhoods. Get a free, address-specific estimate for 94401, 94402, 94403.
Keep roughly $18,500 more than a traditional 3% listing on a typical San Mateo home.
How the San Mateo valuation tool works
What is the San Mateo Multi-AI Home Valuation Tool?
The San Mateo Multi-AI & 3-Portal AVM tool is a free home-valuation instrument from Equitas Homes. It benchmarks three real-estate portal estimates — a live Zillow Zestimate® (via Bridge Interactive) alongside Redfin and Homes.com — against a three-model AI appraisal panel (Google Gemini, OpenAI, and Anthropic Claude) reasoning over local MLS comparables. It then applies the City of San Mateo Measure CC transfer tax (0.5% under $10M, 1.5% at or above) plus the San Mateo County $1.10-per-$1,000 documentary transfer tax and a 1% listing fee to show a seller's true net equity.
3-Portal AVM Benchmarking
Cross-checks a live Zillow Zestimate® (via Bridge Interactive) with Redfin and Homes.com figures against MLS comparable sales, so your San Mateo value reflects several independent models — not a single black-box estimate.
Multi-AI Comparative Market Engine
Three independent AI appraisers — Google Gemini, OpenAI, and Anthropic Claude — each weigh San Mateo comparables for proximity, recency, size, and lot nuances, then reconcile to a defensible range with the adjustment math shown.
Real Net Equity Calculation
Instantly deducts the City of San Mateo Measure CC transfer tax (0.5% under $10M, 1.5% at or above) plus the San Mateo County $1.10-per-$1,000 documentary transfer tax and models a 1% Equitas listing fee against a traditional 3%, so you see the equity you actually keep — not just a headline price.
San Mateo at a glance
Median single-family value
$925,000
RentCast market data · Updated Oct 2026
Average price / sq ft
$784 / sq ft
RentCast market data · Updated Oct 2026
Local transfer / conveyance tax
San Mateo
San Mateo sellers pay the San Mateo County documentary transfer tax ($1.10 per $1,000) PLUS the City of San Mateo Measure CC real property transfer tax — 0.5% ($5.00 per $1,000) on sales under $10,000,000 and 1.5% at or above $10,000,000, applied to the full price. Allocation is negotiable.
How does San Mateo compare to San Mateo County?
San Mateo (ZIP 94401) versus a representative San Mateo County benchmark, from live RentCast market data. Use it to gauge whether local pricing and pace run above or below the county.
| Metric | San Mateo (94401) | San Mateo County |
|---|---|---|
| Median sale price | $925,000 | $1,694,035 |
| Average price / sq ft | $784 / sq ft | $964 / sq ft |
| Average days on market | 56 days | 43 days |
RentCast market data · ZIP 94401 · county: San Mateo County — 12-ZIP representative basket (live RentCast). Market figures are automated and change frequently; verify before pricing.
San Mateo neighborhoods & 1% savings
Live neighborhood median sale prices from RentCast (24-hour cache), with broker baselines as fallback — and the listing-side savings when you sell with Equitas' 1% listing fee instead of a traditional 3%.
| Neighborhood / Zone | Zip | Key pricing drivers | Est. 1% vs 3% savings |
|---|---|---|---|
| San Mateo Park12% above county | 94402 | Prestige estates, mature trees, large lots | $37,900on ~$1,895,000 |
| Baywood12% above county | 94402 | Aragon feeder, walkable to downtown, character homes | $37,900on ~$1,895,000 |
| Hayward Park0% above county | 94403 | Value entry, transit access, family turnover | $33,881on ~$1,694,035 |
Savings = 2% of a representative sale price (3% traditional listing side minus Equitas' 1%). Actual prices vary by home; buyer-side compensation and closing costs are separate and shown in your net sheet.
Top-rated schools
San Mateo-Foster City & San Mateo Union High School Districts
- • Aragon High
- • Hillsdale High
- • Baywood Elementary
The Aragon and Baywood attendance zones are strong value anchors; boundary lines can separate otherwise-comparable blocks in price per square foot.
Parks & green spaces
- Central ParkJapanese garden, rec center, tennis
- Coyote Point Recreation Areabay trails, marina, CuriOdyssey museum
Dining & downtown
B Street & 25th Avenue, Downtown San Mateo
- • Vault 164
- • Pausa Bar & Cucina
Full-service in San Mateo, for a 1% listing fee
Equitas Homes provides complete listing representation — pricing strategy, professional marketing, negotiation and closing — for a 1% listing fee instead of a traditional 3%. It's not just what you sell for; it's what you keep.
Louis Fong — Broker, Equitas Homes
San Mateo County real-estate specialist serving San Mateo sellers with full-service listings at a 1% listing fee. This valuation and market guidance is prepared and reviewed by a licensed California broker.
Selling a home in San Mateo
Estimates are automated and for information only — not an appraisal or guaranteed sale price. School boundaries, taxes, and market figures change; verify current details before listing.