HomeCaliforniaSan Mateo CountyHalf Moon Bay city
Half Moon Bay city, California: commercial real estate data.
Half Moon Bay city is a Census city of 11,391 people across 6.24 square miles of land, in San Mateo County. Median household income is $157,884, 71.1 percent of occupied homes are owned, and the SBA record carries 24 7(a) approvals to borrowers here worth $19.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Half Moon Bay
What Half Moon Bay is
- Census place typecity
- Land area6.24 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,825
- County holding the largest share of its areaSan Mateo County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Half Moon Bay
How many people live in Half Moon Bay
- Population11,391
- Median age47.4
- Population under 182,581
- Share under 1822.7 percent
- Population 65 and over2,629
- Share 65 and over23.1 percent
- Households4,068
- Family households2,602
- Share of households that are families64.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Half Moon Bay
Income and work in Half Moon Bay
- Median household income$157,884
- Per capita income$83,128
- Civilian labor force5,787
- Employed5,651
- Unemployed136 plus or minus 57
- Unemployment rate2.4 percent plus or minus 1.0
- Adults 25 and over8,115
- Adults 25 and over with a high school diploma or higher91.2 percent
- Adults 25 and over with a bachelor degree or higher52.4 percent
- Adults 25 and over with a graduate degree26.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Half Moon Bay
Housing in Half Moon Bay
- Housing units4,473
- Occupied units4,068
- Vacant units405 plus or minus 186
- Vacancy rate9.1 percent plus or minus 4.1
- Owner occupied2,894
- Renter occupied1,174
- Ownership rate71.1 percent
- Median owner-occupied home value$1,549,500
- Median gross rent, monthly$2,433 plus or minus $619
- Annual rent as a share of median income18.5 percent plus or minus 4.7
- Single family units3,561
- Share single family79.6 percent
- Units in buildings of two or more687 plus or minus 165
- Share in buildings of two or more15.4 percent plus or minus 3.5
- Mobile homes215 plus or minus 66
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Half Moon Bay
How Half Moon Bay gets to work
- Workers 16 and over who commute4,048
- Commuting under 15 minutes1,193 plus or minus 306
- Share commuting under 15 minutes29.5 percent plus or minus 6.7
- Commuting 30 minutes or more2,215
- Share commuting 30 minutes or more54.7 percent
- Drove alone60.3 percent
- Carpooled5.9 percent plus or minus 1.9
- Public transport0.4 percent plus or minus 0.5
- Walked5.1 percent plus or minus 3.2
- Worked from home25.6 percent plus or minus 6.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Half Moon Bay
SBA loans in Half Moon Bay (7(a))
- Approvals24
- Gross approval$19,548,900
- Average approval$814,538
- Median approval$595,000
- Ninetieth percentile approval$2,220,000
- Largest approval$2,985,000
- Jobs supported432
- Jobs per approval18.0
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders15
- Distinct industries by NAICS16
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Half Moon Bay
SBA loans in Half Moon Bay (504)
- Approvals14
- Gross approval$11,004,000
- Average approval$786,000
- Median approval$503,000
- Largest approval$3,834,000
- Jobs supported145
- Loans with a final outcome6
- Charged off0
- Median term240 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Half Moon Bay
Flood risk in Half Moon Bay
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060319
- Currently effective map date08/02/17
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
San Mateo County, not Half Moon Bay
San Mateo County context, not Half Moon Bay figures
These are San Mateo County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Half Moon Bay measurements.
- Establishments in San Mateo County21,569
- Employment at those establishments, San Mateo County477,938
- Covered employment, San Mateo County416,422
- Average annual pay, San Mateo County$196,441
- Average weekly wage, San Mateo County$3,778
- Housing units permitted, San Mateo County1,088
- Of those, single family, San Mateo County521
- County product, 2024, San Mateo County$217,017,754,000
- County product change over the prior year, San Mateo County11.1 percent
- Average income of an arriving household, San Mateo County$211,636
Every figure in this section is published for San Mateo County as a whole and is not a measurement of Half Moon Bay. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Half Moon Bay questions, answered from the record.
How many people live in Half Moon Bay, California?
11,391, in 4,068 households. Half Moon Bay city covers 6.24 square miles of land, which is 1,825 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Half Moon Bay in?
San Mateo County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Half Moon Bay?
$157,884. The median owner-occupied home is valued at $1,549,500. Median gross rent is $2,433 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Half Moon Bay businesses?
24 7(a) approvals totalling $19.5 m, across 15 lenders, median approval $595,000, plus 14 504 approvals worth $11.0 m. These count approvals to borrowers whose address is in Half Moon Bay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Half Moon Bay borrowers get paid back?
No rate is published for Half Moon Bay. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Half Moon Bay in the National Flood Insurance Program?
Yes. Half Moon Bay appears in the FEMA Community Status Book as community 060319, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Half Moon Bay figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Mateo County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Half Moon Bay.
Is zoning published for Half Moon Bay?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.