3 Most Affordable Cities in San Mateo County for Homebuyers

For those seeking a home in the heart of the San Francisco Peninsula, finding the perfect balance between affordability and convenience is often a challenge. While the region is known for its prestige and high real estate values, there remain a few enclaves where buyers can enjoy a desirable lifestyle at a more accessible price point.

South San Francisco, San Bruno, and Daly City stand out as the three most budget-friendly cities in San Mateo County. Each offers its own unique charm, a strong sense of community, and proximity to major business hubs, making them ideal for buyers looking to invest in a vibrant yet attainable location.

South San Francisco: Innovation at Your Doorstep

With a population of approximately 60,000, South San Francisco is a city that thrives on innovation and progress. Known as “The Industrial City,” it has evolved into a global leader in biotechnology, home to more than 200 biotech firms, including Genentech, AstraZeneca, and Pfizer. The city's continued expansion, with over 11.5 million square feet of existing office and lab space—plus an additional 5 million square feet in the pipeline—underscores its economic vitality.

For residents, South San Francisco offers a diverse selection of neighborhoods, some basking in sunshine while others experience the region’s signature coastal fog. Its location is ideal for commuters, with a mere ten-minute drive to San Francisco International Airport (SFO) and seamless access to highways and public transit.

The real estate landscape here remains one of the most attractive in the county. In 2023, the median home price was approximately $1.23 million—significantly below the county’s average of $1.8 million. Condominiums, starting in the $600,000 to $700,000 range, provide an exceptional entry point into homeownership while offering proximity to one of the world's leading biotech corridors.

San Bruno: A Gateway to Connectivity

A charming community of 42,000 residents, San Bruno is often referred to as the “Airport City” due to its adjacency to SFO. This well-connected enclave is bordered by Millbrae to the north and South San Francisco to the south, with the San Francisco Bay and rolling hills framing its eastern and western edges.

San Bruno’s downtown along San Mateo Avenue exudes a warm, small-town atmosphere, with an array of locally owned shops and restaurants fostering a sense of community. The city is also home to major employers such as YouTube and Walmart.com, making it a compelling choice for professionals.

With a median home price of $1.375 million, San Bruno offers a diverse selection of properties, from starter homes to expansive residences. The real estate market here presents an attractive opportunity, with homes ranging from $700,000 to $2.4 million. Residents enjoy an abundance of green spaces, including San Bruno Park and Commodore Park, while the upcoming San Bruno Aquatic Center promises even more recreational options.

Daly City: The Peninsula’s Best-Kept Secret

As the second most populous city in San Mateo County, Daly City is home to over 106,000 residents and offers an inviting blend of urban convenience and coastal beauty. Bordered by San Francisco to the north and Pacifica to the south, the city benefits from stunning views and easy access to both the Pacific Ocean and vibrant city life.

Daly City’s real estate market stands as the most accessible in the county, with median home prices just under $1.17 million in 2023. Condominiums can be found between $400,000 and $1 million, making it one of the few places in the region where homeownership remains within reach.

While Daly City does not have a traditional downtown, it offers well-developed retail centers such as Serramonte and Westlake Village. Its recreational amenities are equally impressive, from the serene trails at Mussel Rock Park to the equestrian paths of Fort Funston. Meanwhile, cultural and entertainment venues like the historic Cow Palace ensure that the city remains a lively and dynamic place to live.

The Balance of Lifestyle and Value

Each of these three cities offers a distinct personality, yet all share a common trait: an exceptional balance of affordability, accessibility, and opportunity. While their climates can lean toward the cooler side, with frequent coastal fog, their advantages—proximity to employment hubs, strong communities, and promising real estate values—make them highly desirable.

For those with a more expansive budget, exploring options in Burlingame, San Mateo, or Hillsborough may provide additional opportunities. But for buyers seeking the perfect intersection of value and location, South San Francisco, San Bruno, and Daly City remain standout choices in one of the most sought-after regions in Northern California.