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Featured local agent — Colma, CA
Sarah Mitchell
Compass Real Estate · Colma, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Colma, CA Housing Market
The typical home in Colma, CA is worth $1.09M, held roughly flat 0.1% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $980,000 (through May 2026). With homes going under contract in about 12 days, Colma is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $1.09M home is about $5,590/mo in principal and interest.
Key numbers for Colma, CA
Typical home value
$1.09M
-0.1% in 12 months
Zillow, July 2026
Median sale price
$980,000
Last published period
Redfin, through April 2026
Days on market
12
Fast-moving
Redfin, through April 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$121,488
Home costs 9.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.4%
Selling above asking
Redfin, through April 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Colma a buyer's or seller's market?
Colma, CA is a seller's market and homes selling in about 12 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Colma housing market data show?
Every row below is Redfin's final published month for Colma, CA. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $980,000 |
| Median price per sq ft | $864/sq ft |
| Median days on market | 12 days |
| Sale-to-list price ratio | 101.4% |
| Homes sold (that month) | 2 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Colma is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Colma is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Colma home prices moved?
Across the 21 months we hold for Colma, CA, the median sale price fell 30.7%, from $1.42M in May 2021 to $980,000. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Colma?
Priced off the typical home value of $1.09M at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $217,472 | $869,887 | $5,590/mo |
| 5% | $54,368 | $1.03M | $6,638/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $5,590, that implies roughly $239,577 a year before you add taxes and insurance. The median household in Colma earns $121,488, about $118,089 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 9.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Colma in the next 12 months?
Tell us your timeline. We send the Colma market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Colma?
Zillow does not publish a rent index (ZORI) for Colma, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Colma?
Active listings in Colma, CA went from 1 in October 2021 to 1 in October 2025, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| October 2021 | 1 | 2 |
| November 2021 | 2 | 1 |
| May 2022 | 2 | 2 |
| September 2022 | 3 | 2 |
| November 2022 | 1 | not published |
| November 2024 | 4 | not published |
| January 2025 | 2 | 1 |
| February 2025 | 2 | 1 |
| September 2025 | 1 | 1 |
| October 2025 | 1 | not published |
Redfin, through October 2025
How does Colma compare to California and the U.S.?
Colma homes sell for $980,000 — 10% above the California median of $887,400. Against the national median of $410,700, Colma runs 139% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Colma, CA | $980,000 | not published | 12 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Colma
What buyers should watch
- The gap between 5% and 20% down here is $1,048 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $1.09M home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Colma listing goes under contract in 12 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 101.4% of asking. Price at the number you want and let competition do the rest.
- Your equity moved -0.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Colma varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Colma
Explore homes currently listed for sale in Colma, California across major real estate platforms.
How much do homes cost in Colma by property type?
How the Colma, CA market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.02M | $1,102/sq ft | 1 | 8 days |
| Condo / co-op | $925,000 | $717/sq ft | 1 | 55 days |
| Townhouse | $935,000 | $627/sq ft | 1 | 15 days |
Who lives in Colma?
American Community Survey estimates for Colma. U.S. Census ACS, 2023
Population
1,441
Households
479
Median income
$121,488/yr
Median age
42.2 years
Owner-occupied
47.0%
Median home value
$1.04M
Median gross rent
$2,152/mo
Mean commute
29.3 min
47.0% of occupied homes in Colma are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $1.04M against Zillow's $1.09M typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Colma?
2 schools tracked · 792 students
The largest public schools serving Colma, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Benjamin Franklin Intermediate
Grades 6-8 · 518 students
Garden Village Elementary
Grades K-5 · 274 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Colma, CA?
Ordered by distance from Colma, not by size. Compare Colma side by side with any of them.
Colma housing market FAQ
Is Colma a buyer's or seller's market?
Colma, CA is currently a seller's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Colma?
The typical home in Colma, CA is worth $1.09M (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $980,000, about $864 per square foot.
Is Colma cheaper than the rest of California?
Colma's median sale price of $980,000 is 10% higher than the California statewide median of $887,400, and 139% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Colma?
Homes in Colma, CA spent a median of 12 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Colma?
At the current 30-year fixed rate of 6.66%, 20% down on a $1.09M home is about $5,590 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $239,577 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $121,488.
Are home prices rising in Colma?
The typical home value in Colma, CA held roughly flat 0.1% over the last 12 months, from $1.09M to $1.09M (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Colma?
Colma ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Colma?
That depends on your timeline, not on a headline. What the data says today: Colma, CA is a seller's market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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