HomeCaliforniaSan Mateo CountySan Mateo city
San Mateo city, California: commercial real estate data.
San Mateo city 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.
82 sourced place values · tier FULL · 9 sections · 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$2,149,000
- Largest approval$4,710,000
- Jobs supported1,236
- Jobs per approval11.3
- Loans with a final outcome19
- Paid in full15
- Charged off4
- Charge-off rate over resolved loans21.1 percent
- 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
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
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs8
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
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060328
- Currently effective map date04/05/19
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 San Mateo
San Mateo County context, not San Mateo 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 San Mateo 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 San Mateo. 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
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 totalling $77.3 m, across 43 lenders, median approval $323,000, plus 55 504 approvals worth $52.3 m. 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?
Of the 19 loans that have reached a final outcome, 15 were paid in full and 4 charged off, a charge off rate of 21.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is San Mateo in the National Flood Insurance Program?
Yes. San Mateo appears in the FEMA Community Status Book as 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 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 San Mateo.
Is zoning published for San Mateo?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.