Half Moon Bay and San Francisco receive effectively the same standardized Area Score. Which fits you better depends on which dimensions you weight — the differences below are where they actually diverge.
Signals
Half Moon Bay
San Francisco
Opportunity
67 · Top 28%
vs65 · Top 31%
Growth
28 · Bottom 15%
vs37 · Bottom 27%
Climate
89 · Top 8%
vs89 · Top 8%
Physical resilience
37 · Bottom 30%
vs45 · Bottom 35%
Housing affordability
54 · Bottom 13%
vs48 · Bottom 9%
Access
98 · Top 15%
vs81 · Bottom 24%
Economic stability
64 · Top 42%
vs59 · Bottom 46%
Measured values
| Metric | Half Moon Bay | San Francisco | Source period |
|---|---|---|---|
| Population | 11,391 | 830,235 | 2024 ACS 5-Year |
| Median household income | $157,884 | $140,970 | 2024 ACS 5-Year |
| Per capita income | $83,128 | $92,289 | 2024 ACS 5-Year |
| Population density | 1,825/sq mi | 17,784/sq mi | 2024 ACS 5-Year |
| Median home value | $1,549,500 | $1,394,500 | 2024 ACS 5-Year |
| Median gross rent | $2,433 | $2,476 | 2024 ACS 5-Year |
| Homeownership rate | 71.1% | 38.2% | 2024 ACS 5-Year |
| Unemployment rate | 3.6% | 3.7% | June 2026 |
| Employment change (year over year) | -0.9% | -0.9% | June 2026 |
| Bachelor's degree or higher | 52.4% | 60.3% | 2024 ACS 5-Year |
| Poverty rate | 5.6% | 11.2% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 10 | 1,622 | 12 months ending July 2026 |
| Permits per 1,000 residents | 0.9 | 2.0 | 12 months ending July 2026 |
| Permit change (year over year) | 25.0% | 27.9% | 12 months ending July 2026 |
| Average July high | 73°F | 66°F | 1991-2020 Normals |
| Average January low | 45°F | 47°F | 1991-2020 Normals |
| Annual precipitation | 19.6" | 22.9" | 1991-2020 Normals |
| Distance to major airport | 11 mi | 37 mi | NASR current cycle |
| Average commute | 31.9 min | 33.1 min | 2024 ACS 5-Year |
| Median age | 47.4 | 40.0 | 2024 ACS 5-Year |
| Public schools | 5 | 128 | 2024-25 school year |
| Students per teacher | 21.53 | 21.46 | 2024-25 school year |
| Free or reduced-price lunch eligibility | 28.7% | 54.3% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Half Moon Bay
Elevated or high exposure: earthquake, inland flooding.
San Francisco
Elevated or high exposure: earthquake.
Your best match
Weight what matters to you. Your preferences stay in this browser and never change either Area Score.
Half Moon Bay
62
Your Score
58
Area Score
San Francisco
61
Your Score
59
Area Score
Select your priorities to see which of the two fits them better.
Full profiles: Half Moon Bay, CA · San Francisco, CA · How this is calculated: methodology