The story of this market
The typical home in ZIP 94044 sells for about $1,284,231, or $733 per square foot.
Prices are down 6.3% from a year ago, which gives buyers more room to negotiate. Homes take about 13 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $4,663 a month.
ZIP 94044 — Pacifica
The Pacifica housing market is currently experiencing a cooling phase, with median prices down 6.3% year-over-year as high interest rates and affordability constraints impact buyer demand. While inventory remains tight, the market is seeing a slight increase in days on market, reflecting a more balanced environment compared to the peak competition of previous years.
This ZIP is well-suited for families and professionals working in the Bay Area who prioritize coastal living and a quieter suburban atmosphere over urban density, though the high price point often limits entry to established buyers.
Median prices moved down 6.3% year over year.
Homes spend a median of 13 days on market with 2.1 months of supply — a fast-moving market.
22% of listings have cut prices · homes sell at 100.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 5.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 94044, San Mateo County, CA
Pacifica generally experiences lower crime rates compared to the broader San Francisco-Oakland-Fremont metro area, with property crime being the primary concern. Reported trends remain relatively stable, consistent with typical coastal suburban safety profiles.
The area is served by the Pacifica School District and Jefferson Union High School District, generally characterized by solid academic performance and community-focused educational environments.
The geography faces coastal erosion risks and wildfire exposure common to the San Mateo County coastline, necessitating comprehensive hazard insurance coverage for many residential properties.
Economic momentum is driven by proximity to the San Francisco and Silicon Valley employment hubs, with limited new residential development due to geographic constraints and coastal zoning protections.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute via Highway 1 toward San Francisco or the Peninsula, with transit options including local bus lines connecting to BART stations in neighboring cities.
The area features extensive coastal access including Pacifica State Beach, numerous hiking trails in the coastal hills, and local parks like White Field, alongside neighborhood shopping centers.
The rental market is characterized by high demand and limited inventory, with a high price-to-rent ratio that makes cash-flow challenging for investors; the state's tenant-protective regulations are a significant factor for landlords.
The local economy is heavily integrated into the broader San Francisco-Oakland-Fremont metro area, with residents largely employed in technology, professional services, and healthcare sectors in nearby hubs.
Transportation is dominated by Highway 1, which serves as the primary artery for regional travel, supplemented by SamTrans bus services connecting to regional rail.
Development is strictly managed by coastal zoning and environmental regulations, focusing primarily on infill projects and infrastructure maintenance rather than large-scale expansion.
null
Parcels are subject to standard San Mateo County property tax levies, with additional assessments for the Pacifica School District and local utility service districts.
Property insurance premiums are rising due to regional wildfire and coastal hazard exposure, with many carriers tightening underwriting standards in the area.
null
null
null
Data retrieved from data.census.gov ZCTA 94044 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Popular coastal destination for surfing and recreation.
Scenic coastal hiking area with significant ecological restoration.
Iconic fishing pier and community gathering spot.
Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).