City · 42,307 residents · San Mateo County, California
San Bruno, California
In San Bruno, a typical home is worth $1,207,500 and typical rent is $2,773 a month. Compared with all of San Mateo County, the typical home value is 23% lower and typical household income is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $1,150,519 to $1,286,954.
Typical rent
$3,346a month
▲ 10.1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,646 to $3,346.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
San Bruno is in San Mateo County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of San Mateo County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in San Bruno is worth $1,207,500,23% less than in San Mateo County as a whole ($1,559,600).
2
According to Zillow, in the 12 months to September 2026 the typical home value in San Bruno rose 3.8%; in California, it rose 0.6%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in San Bruno
What homes there are in San Bruno, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
San Bruno
San Mateo County
California
United States
Kind of home: San Bruno and its comparisons
Measure
San Bruno
San Mateo County
California
United States
Detached house
58%
55%
57%
61%
Attached house
3%
9%
7%
6%
Building of 2 to 4
8%
6%
8%
8%
Apartments (5 or more)
31%
29%
24%
19%
Mobile home
Unreliable estimate
1%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in San Mateo County, most homes in San Bruno are detached houses (58%).
Year built
Before 19601960–19791980–19992000–20092010 or later
San Bruno
San Mateo County
California
United States
Year built: San Bruno and its comparisons
Measure
San Bruno
San Mateo County
California
United States
Before 1960
47%
41%
27%
26%
1960–1979
33%
32%
29%
24%
1980–1999
9%
15%
25%
25%
2000–2009
6%
6%
11%
14%
2010 or later
5%
7%
8%
11%
The typical home in San Bruno was built in 1962, 4 years before the typical one in San Mateo County.
Homes in San Bruno are smaller: 50% have 3 bedrooms or more; in San Mateo County, 53%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K2%
$200K–$300KUnreliable
$300K–$500K5%
$500K–$750K9%
$750K–$1M14%
$1M or more68%
Value of owner-occupied homes: San Bruno and its comparisons
Measure
San Bruno
Under $100K
Unreliable estimate
$100K–$200K
2%
$200K–$300K
Unreliable estimate
$300K–$500K
5%
$500K–$750K
9%
$750K–$1M
14%
$1M or more
68%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,4996%
$1,500–$1,99912%
$2,000–$2,49919%
$2,500–$2,99919%
$3,000 or more41%
Monthly rent with utilities: San Bruno and its comparisons
Measure
San Bruno
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
6%
$1,500–$1,999
12%
$2,000–$2,499
19%
$2,500–$2,999
19%
$3,000 or more
41%
With a mortgage
$3,764 a month
San Mateo County: $4,000 or more a month
Without a mortgage
$879 a month
San Mateo County: $1,113 a month
Owners with a mortgage
66%
San Mateo County: 66%
The typical cost for an owner with a mortgage in San Bruno is $3,764 a month; without one, $879.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
San Bruno+33%
San Mateo County+43%
California+46%
United States+53%
Typical rent
San Bruno+17%
San Mateo County+26%
California+36%
United States+33%
Typical household income
San Bruno+29%
San Mateo County+30%
California+32%
United States+29%
Change since 2015–2019: San Bruno and its comparisons
Measure
San Bruno
San Mateo County
California
United States
Typical home value
+33%
+43%
+46%
+53%
Typical rent
+17%
+26%
+36%
+33%
Typical household income
+29%
+30%
+32%
+29%
Homes in San Bruno gained value more slowly than in San Mateo County: 33% since 2015–2019, against 43%.
The typical rent in San Bruno rose 17% over the same time; in San Mateo County, it rose 26%.
To compare: typical income in San Bruno rose 29%; the home, +33%; the rent, +17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: San Bruno and its comparisons
Measure
San Bruno
San Mateo County
California
United States
Rental vacancy
10.7%
8.5%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
7.5%
7.5%
8.2%
3.4%
People per household
2.74
2.76
2.84
2.53
Drive alone
63%
57%
66%
69%
Carpool
10%
9%
10%
9%
Public transit
4%
5%
3%
3%
Walk or bike
5%
4%
3%
3%
Work from home
18%
24%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In San Bruno, the rental vacancy rate is 10.7%; in San Mateo County, 8.5%.
More than one person per room: that is how 7.5% of households in San Bruno live, near the figure in San Mateo County (7.5%).
By size, households in San Bruno look like those in San Mateo County: 2.74 people on average.
The car rules in San Bruno: 63% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in San Bruno?
A typical home costs more than the typical income allows
We start with a typical home in San Bruno, worth $1,207,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 83% of the typical household income in San Bruno, which is $141,272 a year. For that payment to be 28% of income, a household would need to earn about $418,991 a year.
The calculator's FHA and conventional loan limits are those of all of San Mateo County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in San Bruno. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $42,263 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$9,776
at 7.18% · 30 years
Loan amount
$1,185,629
Total interest
$1,705,841
Paid off in
November 2056
Includes $20,392 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,296 a month
Tight
$3,296 to $4,238 a month
Hard
more than $4,238 a month
Your payment · 83%
Compared with the typical household income in San Bruno ($141,272 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$8,032
Property tax
$513
Home insurance
$503
FHA mortgage insurance (MIP)
$728
You need at least $42,263 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $9,776; principal and interest $8,032.
The city and its county
San Bruno and San Mateo County
San Bruno is in San Mateo County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
San Bruno
Map of San Mateo County, California, with San Bruno marked. Around it, the neighboring counties.
San Bruno
San Mateo County
Other cities with a page
San Bruno's own numbers
Typical home value
$1,207,500
Typical monthly rent
$2,773
Typical yearly household income
$141,272
Households that own their home
62%
Effective property tax rate
0.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Mateo County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,697
Price change over 5 years (FHFA)
+23%
Homes in a high flood-risk zone
3.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Mateo County.
A typical home in San Bruno is worth $1,207,500: 23% below the county and 64% above California. With the typical household income in San Bruno ($141,272 a year), a typical home costs 8.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
San Bruno8.5 years
San Mateo9.8 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in San Mateo County
According to FHFA’s house price index, home prices in San Mateo County rose 49% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of San Mateo County.
Yearly change in FHFA’s price index in San Mateo County, 2016 to 2025
2016: +11.3% +11.3% 2016
2017: +3.9% +3.9% 2017
2018: +11.3% +11.3% 2018
2019: −0.3% −0.3% 2019
2020: −5.2% −5.2% 2020
2021: +1.0% +1.0% 2021
2022: +13.6% +13.6% 2022
2023: +5.3% +5.3% 2023
2024: +2.0% +2.0% 2024
2025: −0.6% −0.6% 2025
Change in FHFA’s price index in San Mateo County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.6%
+0.8%
+2.9%
5 years (2020–2025)
+23%
+40%
+47%
10 years (2015–2025)
+49%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
San Bruno next to San Mateo County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
San Bruno$1,207,500
San Mateo$1,559,600
California$734,700
United States$332,700
Typical monthly rent
San Bruno$2,773
San Mateo$2,922
California$2,036
United States$1,413
Typical yearly household income
San Bruno$141,272
San Mateo$158,855
California$99,122
United States$80,734
See the full table
San Bruno next to San Mateo County and California
Measure
San Bruno
San Mateo County
California
U.S.
Typical home value
$1,207,500 ▼23% below the county
$1,559,600
$734,700
$332,700
Typical monthly rent
$2,773 ▼5% below the county
$2,922
$2,036
$1,413
Typical yearly household income
$141,272 ▼11% below the county
$158,855
$99,122
$80,734
Households that own their home
62% ▲4 points above the county
58%
56%
65%
Typical yearly property tax
$6,212 ▼35% below the county
$9,519
$5,124
$3,119
Effective property tax rate
0.51% ▼0.1 points below the county
0.61%
0.7%
0.94%
Renters with high rent for their income
53% ▲4 points above the county
48%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Mateo County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in San Bruno
For a typical $1,207,500 home in San Bruno, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Bruno's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,776a month
Least cash to close
Down payment
$42,263
Cash to close
$78,488
Rate
7.18%
Mortgage insurance
FHA MIP · $728
Conventional, 5% down$9,361a month
Down payment
$60,375
Cash to close
$96,600
Rate
7.18%
Mortgage insurance
PMI · $574
Conventional, 20% down, no PMI$7,560a month
Down payment
$241,500
Cash to close
$277,725
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,677a month
Down payment
$181,125
Cash to close
$217,350
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in San Bruno
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$9,776
$42,263
$1,185,629
7.18%
FHA MIP · $728
$78,488
580
Conventional, 5% down
$9,361
$60,375
$1,147,125
7.18%
PMI · $574
$96,600
620*
Conventional, 20% down, no PMI
$7,560
$241,500
$966,000
7.18%
None
$277,725
620*
ITIN, 15% down (example)
$8,677
$181,125
$1,026,375
8.18%
None
$217,350
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in San Bruno is $2,773 a month: 5% below the county. In San Bruno, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Mateo County, by unit size. To pay the 2-bedroom one ($3,697 a month) without spending more than 30% of your income, you would need to earn $71.10 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Mateo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$2,574
$49.50
$102,960
1 bedroom
$3,003
$57.75
$120,120
2 bedrooms
$3,697
$71.10
$147,880
3 bedrooms
$4,832
$92.92
$193,280
4 bedrooms
$5,439
$104.60
$217,560
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in San Bruno
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Bruno is in ZIP code 94066.
For 2 bedrooms it is $3,580: $117 less than the fair market rent for San Mateo County ($3,697).
Fair market rent by ZIP code and size in San Bruno, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
94066
$2,490
$2,910
$3,580
$4,680
$5,270
ZIP code2 bd3 bd
94066 $3,580$4,680
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for San Bruno when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in San Mateo County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for San Bruno or San Mateo County. The ones below are statewide in California: they work in San Bruno the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for San Bruno or San Mateo County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for San Bruno and all of San Mateo County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in San Bruno?
The typical home value in San Bruno is $1,207,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Mateo County it is $1,559,600.
How much does it cost to rent in San Bruno?
Typical rent in San Bruno is $2,773 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Mateo County is $3,697.
What is the FHA loan limit in San Bruno?
San Bruno uses the FHA limit for all of San Mateo County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.
How much property tax do owners pay in San Bruno?
The typical homeowner in San Bruno pays $6,212 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in San Mateo County, the rate is 0.61%.
Where can I find free help to buy or rent in San Bruno?
We found no HUD-approved counseling agencies with an office in San Mateo County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
