Half Moon Bay Homes under $400,000

Welcome to Half Moon Bay, California—a picturesque coastal gem nestled in San Mateo County. Known for its breathtaking ocean views, stunning coastal bluffs, and vibrant community, Half Moon Bay offers a unique blend of small-town charm and natural beauty. With its rich agricultural history, you’ll find delightful local farms, fresh produce, and seasonal festivals that celebrate the area’s heritage. The iconic Half Moon Bay State Beach and the famous Mavericks surf spot are just a stone's throw away, providing endless opportunities for outdoor adventures and relaxation.

For those seeking to plant roots in this idyllic setting, you’ll be pleasantly surprised to discover that homes under $400,000 are indeed available, making the dream of coastal living more attainable than ever. While the market can be competitive, there are hidden gems waiting to be uncovered. From quaint cottages to charming condos, these affordable properties offer a perfect starting point for first-time buyers or anyone looking to enjoy the coastal lifestyle without breaking the bank.

Living in Half Moon Bay means embracing a community that values connection and sustainability. The local farmers’ markets, art galleries, and community events foster a warm and welcoming atmosphere. With easy access to major highways and nearby urban centers, residents enjoy the best of both worlds—serene coastal living with the conveniences of city life just a short drive away.

Explore the possibilities of your new home in Half Moon Bay, where the ocean meets opportunity, and your dreams of coastal living can become a reality!

Newest Half Moon Bay Homes under $400,000

4100 Cabrillo Highway Unit #101, Half Moon Bay

$398,000

1 Beds ⋅ 1 Baths ⋅ ML82049767 MLS

Discover the perfect blend of leisure and investment with this remarkable studio condo unit at The Beach House Hotel Inn, located in Half Moon Bay. This unique opportunity allows you to enjoy your own vacation retreat while generating income when you're not there, offering a superior alternative to typical short-term rentals. Your investment is hassle-free, thanks to the on-site management team that handles bookings and maintenance of your unit. As an owner, you can stay up to 90 nights per year in your unit (29-day consecutive max). Close to Surfer's Beach, Pillar Point Harbor, and a variety of dining options, including the renowned Sam's Chowder House right next door, this property is the ultimate coastal charm. Indulge in full access to the hotel's amenities, including a pool, spa, beach access, scenic trails, and a complimentary continental breakfast each morning. Your studio unit is thoughtfully designed with a queen-size bed, a kitchenette featuring a 2-burner cooktop, microwave, and refrigerator, and a cozy living area complete with a wood-burning fireplace, desk, and convertible sofa. Large windows and a sliding door lead to a private balcony. Embrace the coastal lifestyle while making a savvy investment at The Beach House Hotel. CASH ONLY! No financing

4100 Cabrillo Highway Unit #101, Half Moon Bay

Listing courtesy of Tiffany Manaoat from Compass. 650-597-0880

77 Creekside Drive Unit #77, Half Moon Bay

$399,000

2 Beds ⋅ 2 Baths ⋅ ML82045375 MLS

Set in the coastal community of Canada Cove, 77 Creekside Drive offers 2 bedrooms, 2 bathrooms, and 1,344 square feet of light filled living. The home is thoughtfully positioned to take advantage of its natural surroundings, creating a calm and inviting atmosphere throughout. The oversized primary suite serves as a comfortable retreat, complete with a walk in closet and sliding glass doors that open to a grassy field and walking trail, with views extending toward The Ocean Course at Half Moon Bay Golf Links. Inside, the layout flows easily, providing a functional and relaxed setting for everyday living. Natural light fills the main living areas, enhancing the home's warm and open feel. Just minutes from the beach, the home is part of a well maintained community known for scenic walking paths, a seasonal heated pool, fitness center, and a welcoming neighborhood environment, offering a refined sense of coastal living in one of Half Moon Bay's most desirable settings.

77 Creekside Drive Unit #77, Half Moon Bay

Listing courtesy of Omar Pina from Compass. 650-505-3297

$399,000

2 Beds ⋅ 2 Baths ⋅ ML82032801 MLS

55+ coastal living near the beach in Half Moon Bay. Welcome to 6 Sunset Terrace, a move-in-ready 2-bedroom, 2-bath manufactured home of approximately 1,120 sq ft. It sits on a quiet street in Canada Cove, Half Moon Bay's active-adult community near the Coastal Trail, Half Moon Bay Golf Links and the Ritz-Carlton. Inside, brand-new carpet and plantation shutters throughout give the home a fresh, polished feel. The open floor plan features raised ceilings, a skylit kitchen with breakfast bar, and a comfortable living and dining area. The primary suite offers an en-suite bath and walk-in closet. A second bedroom and full bath give guests their own space, and a dedicated laundry room adds everyday convenience. Step out to the front porch to enjoy afternoon sun and fresh ocean air. Canada Cove offers: a seasonally heated pool a clubhouse with sauna and fitness room a bocce court group fitness classes and a full social calendar Pets welcome, and the community recently opened its Canine Cove. RV and storage units are also available. Just outside are bluff-top trails, beaches and Pacific sunsets, with Hwy 1 close by for downtown HMB and the Peninsula. An affordable way to own on the San Mateo coast. Space rent: $1,357/month. Park approval required; at least one occupant must be 55+.

6 Sunset Terrace Unit #6, Half Moon Bay

Listing courtesy of Joakim Bye from Ocean Element Real Estate. 650-284-2080

4100 Cabrillo Highway Unit #105, Half Moon Bay

$395,000

1 Baths ⋅ ML81992446 MLS

Motivated Seller - Lowered price only accentuates the stay, play and earn aspects of this listing at the Beach House Hotel Condo/Hotel Opportunity - Enjoy the best the coast has to offer at a remarkable price! Invest in an income producing hotel studio condo unit at The Beach House Hotel Inn at Half Moon Bay. Have your vacation accommodations whenever you want them, and a revenue stream when you don't. This property provides on-site management, booking and maintenance of your Unit. Owners enjoy staying up to 90 nights per year. Property is located near and has access to Surfer's Beach, Pillar Point Harbor, and restaurants, and next door to Sam's Chowder House. Amenities include full access to hotel's pool, spa, beach, trails, and complimentary continental breakfast daily. King size bed, Kitchenette w/ 2-burner cook top, microwave and refrigerator, comfortable living area with wood burning fireplace, desk and convertible sofa. Bright and airy windows and sliding door to balcony. Beautiful property. Enjoy and Earn.

4100 Cabrillo Highway Unit #105, Half Moon Bay

Listing courtesy of from Coldwell Banker Realty. 650-483-4449

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