HomeCaliforniaSan Mateo CountySan Mateo
San Mateo, California: commercial real estate data.
San Mateo is a Census city of 103,105 people across 12.13 square miles of land, in San Mateo County. Median household income is $153,504, 49.9 percent of occupied homes are owned, and the SBA record carries 109 7(a) approvals to borrowers here worth $77.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
San Mateo
What San Mateo is
- Census place typecity
- Land area12.13 sq mi
- Water area3.72 sq mi
- Population per square mile of land8,497
- 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.
San Mateo
How many people live in San Mateo
- Population103,105
- Median age38.3
- Population under 1820,211
- Share under 1819.6 percent
- Population 65 and over17,563
- Share 65 and over17.0 percent
- Households39,895
- Family households24,811
- Share of households that are families62.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Mateo
Income and work in San Mateo
- Median household income$153,504
- Per capita income$84,247
- Civilian labor force58,702
- Employed56,023
- Unemployed2,679
- Unemployment rate4.6 percent
- Adults 25 and over75,556
- Adults 25 and over with a high school diploma or higher90.8 percent
- Adults 25 and over with a bachelor degree or higher57.8 percent
- Adults 25 and over with a graduate degree26.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Mateo
Housing in San Mateo
- Housing units42,641
- Occupied units39,895
- Vacant units2,746
- Vacancy rate6.4 percent
- Owner occupied19,910
- Renter occupied19,985
- Ownership rate49.9 percent
- Median owner-occupied home value$1,618,700
- Median gross rent, monthly$3,077
- Annual rent as a share of median income24.1 percent
- Single family units21,832
- Share single family51.2 percent
- Units in buildings of two or more20,727
- Share in buildings of two or more48.6 percent
- Mobile homes12 plus or minus 18
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Mateo
How San Mateo gets to work
- Workers 16 and over who commute41,298
- Commuting under 15 minutes9,464
- Share commuting under 15 minutes22.9 percent
- Commuting 30 minutes or more16,494
- Share commuting 30 minutes or more39.9 percent
- Drove alone57.7 percent
- Carpooled7.0 percent
- Public transport4.9 percent plus or minus 1.0
- Walked2.7 percent plus or minus 0.7
- Worked from home24.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Mateo
SBA loans in San Mateo (7(a))
- Approvals109
- Gross approval$77,290,200
- Average approval$709,084
- Median approval$323,000
- Ninetieth percentile approval$2,029,800
- Largest approval$4,710,000
- Jobs supported1,236
- Jobs per approval11.3
- Loans with a final outcome19
- Paid in full15
- Charged off4
- Median term120 months
- Share on real estate terms of 20 years or more14.7 percent
- Share to franchises21.1 percent
- Distinct lenders43
- Distinct industries by NAICS62
Counted by borrower city: approvals to borrowers whose address is in San Mateo, in any county, FY2020 to FY2026. Only 19 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Mateo
SBA loans in San Mateo (504)
- Approvals55
- Gross approval$52,253,000
- Average approval$950,055
- Median approval$687,000
- Largest approval$3,545,000
- Jobs supported343
- Loans with a final outcome14
- Charged off0
- Median term300 months
- Distinct CDCs8
Counted by borrower city: approvals to borrowers whose address is in San Mateo, in any county, FY2010 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Mateo
Flood risk in San Mateo
- NFIP communityCity of San Mateo
- NFIP community number060328
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/05/19
The City of San Mateo participates in the National Flood Insurance Program as community 060328 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Mateo County, not San Mateo
San Mateo County context, not San Mateo figures
- Establishments in San Mateo County21,569
- Covered employment, San Mateo County416,422
- Average annual pay, San Mateo County$196,441
- Housing units permitted, San Mateo County1,088
Every figure in this section is published for San Mateo County as a whole and is not a measurement of San Mateo.
All San Mateo County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
San Mateo questions, answered from the record.
How many people live in San Mateo, California?
103,105, in 39,895 households. San Mateo city covers 12.13 square miles of land, which is 8,497 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is San Mateo 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 San Mateo?
$153,504. The median owner-occupied home is valued at $1,618,700. Median gross rent is $3,077 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to San Mateo businesses?
109 7(a) approvals totaling $77.3 m since FY2020, across 43 lenders, median approval $323,000, plus 55 504 approvals worth $52.3 m since FY2010. These count approvals to borrowers whose address is in San Mateo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to San Mateo borrowers get paid back?
No rate is published for San Mateo. Only 19 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is San Mateo in the National Flood Insurance Program?
Yes. San Mateo appears in the FEMA Community Status Book as San Mateo, city of, community 060328, 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 San Mateo figures?
No, and they are labeled 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 San Mateo.
Is zoning published for San Mateo?
No. Nothing on this page presents parcel level zoning.