San Mateo County
Opportunity ZoneSan Mateo County, San Mateo County · San Francisco-Oakland-Berkeley, CA
Median Home Value
$1,566,741
Zillow ZHVI, Feb 2026
Est. Cap Rate
1.8%
Based on rent yield × 65%
Vacancy Rate
7.4%
59% owner-occupied
Population
745K
Median income: $156,000
San Mateo County Investment Analysis
San Mateo County is a major metropolitan market with 745K residents and a median home value of $1,566,741. The 1.8% cap rate positions San Mateo County as a premium appreciation market where equity growth drives returns. A healthy 41% renter population supports median rents of $3,506/month, providing reliable income streams for buy-and-hold investors. San Mateo County's housing stock is 35% multifamily — indicating strong institutional investor interest and potential for 2-4 unit or small multifamily acquisitions.
Market Details
Housing Stock
286K units
Single-family: 158K
Multifamily: 99K (34.8%)
Investment Metrics
Gross Yield 2.7%
Cap Rate 1.8%
Price-to-Rent 37.2 (Favors renting)
Property Tax $9,167/yr
Demographics
Median Income $156,000
Median Age 40.6
Employment 99.9%
Home Value Trends
3-Year Appreciation +5.5%
5-Year Appreciation +11.5%
Rental Market
$3,506/mo
Renter population: 40.9%
Lending Status
Not Available
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Top Cities in San Mateo County
25 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| San MateoSan Mateo County | 104K | $1,638,485 | 1.6% | View → |
| Daly CitySan Mateo County | 103K | $1,109,396 | 1.9% | View → |
| Redwood CitySan Mateo County | 82K | $1,839,240 | 1.6% | View → |
| South San FranciscoSan Mateo County | 64K | $1,212,996 | 2.3% | View → |
| San BrunoSan Mateo County | 43K | $1,290,258 | 1.9% | View → |
| PacificaSan Mateo County | 38K | $1,255,426 | 2.1% | View → |
| Foster CitySan Mateo County | 33K | $1,861,130 | 1.6% | View → |
| Menlo ParkSan Mateo County | 33K | $2,778,631 | 1.1% | View → |
| BurlingameSan Mateo County | 31K | $2,694,998 | 1.0% | View → |
| San CarlosSan Mateo County | 30K | $2,378,551 | 1.3% | View → |
| East Palo AltoSan Mateo County | 29K | $1,023,933 | 1.7% | View → |
| BelmontSan Mateo County | 28K | $2,261,180 | 1.1% | View → |
| MillbraeSan Mateo County | 23K | $2,021,440 | 1.4% | View → |
| Half Moon BaySan Mateo County | 11K | $1,534,250 | 1.2% | View → |
| HillsboroughSan Mateo County | 11K | $5,140,890 | 0.5% | View → |
Top Neighborhoods in San Mateo County
99 neighborhoods
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Property Details
Investment Projection
-$6,669
-20.4%
0.43
-$80,023
Monthly P&I: $8,216 | Est. Expenses: $1,958
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Receive a detailed PDF with 5-year projections, tax implications, and financing scenarios.
San Mateo County Investment Report
Comprehensive county market analysis
Get the Complete San Mateo County Market Analysis
Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Cities in San Mateo County for DSCR Investment
Our data team analyzed every citie in San Mateo County to find the best opportunities for cash-flowing DSCR investments.
Top 10 Cities
San Mateo County | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your San Mateo County deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on San Mateo County opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000