The typical owner-occupied home in Moss Beach is worth about $1,123,100, 53% above the California median of $734,700 and 3.4 times the national median of $332,700. Owners pay a median $7,625 a year in property taxes, about 0.68% of their home's value, close to the California rate of 0.70%. The median household earns $99,680 a year, so the median home costs 11.3 times the median income (7.4 times for California). 99% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Moss Beach at a glance
| Moss Beach | California | U.S. | |
|---|---|---|---|
| Median home value | $1,123,100 | $734,700 | $332,700 |
| Median property tax paid per year | $7,625 | $5,124 | $3,119 |
| Property tax as a share of value | 0.68% | 0.70% | 0.94% |
| Median household income | $99,680 | $99,122 | $80,734 |
| Homes lived in by their owners | 99% | 56% | 65% |
| Owner homes with a mortgage | 46% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $3,355 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 25.0% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Median year homes were built | 1970 | 1976 | 1980 |
| Vacant homes | 15.4% | 7.5% | 10.1% |
| Population | 2,683 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Moss Beach
At this week's average 30-year rate of 7.11%, buying the median Moss Beach home of $1,123,100 with 20% down costs about $7,149 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $9,200, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $306,365 for the 20%-down payment. That payment is 86% of the median Moss Beach household income of $99,680; at that income and 20% down, the 28% guideline points to a home of about $365,000.
| Down payment | $224,620 |
|---|---|
| Loan amount | $898,480 |
| Principal and interest | $6,044 |
| Property taxes (0.68% a year) | $636 |
| Homeowners insurance (our estimate, 0.5% a year) | $468 |
| PMI | $0 |
| Total per month | $7,149 |
Change the numbers in the calculator
| Down payment | $39,308 |
|---|---|
| Loan amount | $1,102,758 |
| Principal and interest | $7,418 |
| Property taxes (0.68% a year) | $636 |
| Homeowners insurance (our estimate, 0.5% a year) | $468 |
| FHA mortgage insurance | $677 |
| Total per month | $9,200 |
Change the numbers in the calculator
Questions about home buying in Moss Beach
What is the median home value in Moss Beach?
About $1,123,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moss Beach?
Homeowners pay a median $7,625 a year, which is about 0.68% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Moss Beach?
For the median home with 20% down at 7.11%, the payment is about $7,149 a month. Keeping that under 28% of gross income takes about $306,365 a year.
More about Moss Beach
- Mortgage Refinance in Moss Beach
- Debt Relief in Moss Beach
- Home Equity Loans in Moss Beach
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data