San Mateo County Homes under $400,000

Welcome to San Mateo County, a hidden gem nestled in the heart of California’s vibrant Bay Area! Known for its stunning coastal views, lush parks, and diverse communities, San Mateo County offers a unique blend of suburban charm and urban convenience. With an array of cultural attractions, outdoor activities, and top-notch schools, it’s no wonder that so many are drawn to this picturesque region.

For those looking to invest in a home without breaking the bank, San Mateo County has exciting opportunities available for under $400,000. While it may seem challenging to find affordable options in such a desirable area, there are still charming condos, townhomes, and smaller single-family homes that fit this budget. These properties provide an excellent entry point into the real estate market while allowing you to enjoy all the benefits of living in this vibrant county.

Imagine waking up to the fresh coastal breeze and spending your weekends exploring the scenic trails of the nearby San Francisco Peninsula or enjoying a leisurely stroll along the beautiful beaches. San Mateo County boasts a rich tapestry of communities, each with its own unique character and charm. From the bustling downtown areas of San Mateo and Redwood City to the tranquil neighborhoods of Half Moon Bay, there’s something for everyone here.

Whether you’re a first-time homebuyer, a savvy investor, or looking to downsize, San Mateo County offers a range of homes under $400,000 that provide not just a place to live, but a lifestyle to embrace. Start your journey today and discover the perfect home in this captivating county!

Newest San Mateo County Homes under $400,000

$399,000

1 Baths ⋅ ML82063440 MLS

Welcome to 6357 Shelter Creek Lane, a turnkey top-floor studio! The kitchen features updated quartz countertops and stainless steel appliances including an electric glass-top range, refrigerator, dishwasher, and microwave hood. Unwind on your private balcony facing the back pool or enjoy everything Shelter Creek has to offer: three pools (two outdoor, one indoor), hot tub, gym, sauna, tennis courts, and a clubhouse with pool tables and ping pong tables. Close to the YouTube and Walmart campuses, Bayhill Shopping Center, SFO, Caltrain, BART, and quick access to I-280, I-380, and US-101. Don't miss the chance to make this unit yours!

6357 Shelter Creek Lane, San Bruno

Listing courtesy of Giuseppe Scarpino from Omarshall, Inc. 650-784-5418

3015 E Bayshore Rd Unit #306, Redwood City

$345,000

3 Beds ⋅ 2 Baths ⋅ 41149357 MLS

Located in Harbor Village in Redwood City. Built in 2018. 3 bedrooms and 2 full baths. Open concept kitchen with gas stove, quartz countertop, and stainless steel appliances. Spacious living room and dining area. Large windows throughout the home. Large primary bedroom with on-suite bathroom. In-unit laundry and private carport parking. Extra storage room adjacent to the side door. Harbor Village is pet friendly and open to all ages. Facilities includes but not limited to pool, clubhouse, car wash area, and community laundry. Manufacturer 2018 Karsten Homes with serial numbers SAC036568CAA, SCA036568CAB.

3015 E Bayshore Rd Unit #306, Redwood City

Listing courtesy of Albert Bernardo from Coldwell Banker. 925-997-0123

$399,900

1 Baths ⋅ ML82062542 MLS

Welcome to this beautifully updated studio in the highly sought-after Shelter Creek community, offering thoughtfully designed living and resort-style amenities in a convenient San Bruno location. The bright interior features recessed lighting, modern finishes, plush carpeting, an updated kitchen with stainless steel appliances, and a refreshed bathroom. A defined sleeping alcove creates comfortable separation, while the walk-in closet and additional storage provide excellent functionality. Natural light fills the home, and a sliding glass door extends the living space to a private garden patio ideal for morning coffee, dining, or relaxing. Shelter Creek is known for its beautifully landscaped, park-like grounds and impressive amenities, including three swimming pools, a hot tub, tennis courts, clubhouse, fitness center, sauna, billiards, social areas, 24-hour security, and EV charging stations. Ideally situated near shopping, dining, parks, Sweeney Ridge trails, and the Golden Gate National Recreation Area, with convenient access to BART, Caltrain, Highway 280, Highway 101, San Francisco, major Peninsula employers, and Silicon Valley. An excellent opportunity to enjoy comfortable, low-maintenance living in one of San Bruno's most established condominium communities.

San Bruno

Listing courtesy of Alex Sobieski from Redfin. 650-696-0094

1551 Southgate Avenue Unit #163, Daly City

$348,888

1 Baths ⋅ ML82062517 MLS

Welcome to 1551 Southgate Ave #163, a beautifully updated corner-unit studio in the desirable Sierra Heights community. This inviting residence features luxury laminate flooring and an open layout with ample space for living, dining, and sleeping areas. The remodeled kitchen showcases Shaker-style cabinetry, quartz countertops, stainless steel appliances, and a convenient breakfast counter. The remodeled bathroom features a modern vanity, contemporary mirror and lighting, and designer tile shower walls. As a corner unit, the home enjoys abundant natural light and a private balcony for outdoor relaxation. Additional highlights include a deeded 1-carport parking space, guest parking, and a dedicated secured community mail room. Residents enjoy access to a community pool. Conveniently located between St. Francis Square Shopping Center, featuring Seafood City and everyday amenities, and Serramonte Shopping Center, with Target and dining options. Easy access to Highway 1 and I-280 makes commuting and exploring the Bay Area convenient.

1551 Southgate Avenue Unit #163, Daly City

Listing courtesy of from KW Advisors. 650-888-0153

$375,000

1 Baths ⋅ ML82062370 MLS

Open House on Sunday, October 4th from 1:00-4:00 PM. Rarely ever on the market, this top floor, corner end unit located in the coveted inner part of the courtyard. With only 6 unite to the floor, it offers added privacy and very little foot traffic. Beautifully remodeled with wood floors and an all stainless steel appliance kitchen with a brand new built-in microwave. A large private deck that overlooks the pristine courtyard is perfect for meals & lounging. Double pane windows and patio door help keep sound out while allowing the sun to beam inside. A warm fireplace keeps it toasty for the upcoming Holiday Season. 3 closets gives you ample space including a spacious walk-in closet. A cozy sleeping alcove tucked in the corner makes it feel more like a jr 1 bdrm. Recess lighting and new light fixtures adds the right touch to this perfect unit. Come see to appreciate the beauty. Staging coming Monday, October 5th.

395 Imperial Way Unit #350, Daly City

Listing courtesy of Ulysses Maurille from Crown Colony Properties. 650-994-0300

$369,000

1 Baths ⋅ ML82059968 MLS

Welcome to 2150 Shelter Creek Ln, a meticulously maintained 490 sqft studio in the heart of San Bruno's Shelter Creek community. Ground-floor placement means effortless, first-floor convenience; no elevator or stairs between you & home, ideal for easy move-in and everyday errands. Inside, the open studio layout lives larger than its footprint, w. a breakfast bar for quick meals & a spacious walk-in closet providing storage that's rare to find in a home this size. Step outside to your own private deck, a quiet spot to enjoy morning coffee or unwind after work. The home has been carefully cared for throughout, offering a true move-in-ready opportunity in one of San Bruno's most established communities. Shelter Creek's resort-style grounds go well beyond a typical condo community: indoor & outdoor pools, a fitness center, tennis courts, sauna, billiards room, clubhouse, & landscaped walking paths through the greenbelt, all maintained for you. Just outside the gates, the San Bruno Recreation & Aquatic Center adds even more fitness and community programming nearby. Commuters will love the location, BART, Caltrain, SFO, YouTube HQ, & the 280/101 corridor are all just minutes away, making this an easy home base or a low-maintenance investment in a highly desirable Peninsula setting.

2150 Shelter Creek, San Bruno

Listing courtesy of from KW Advisors. 650-888-0153

$299,000

1 Beds ⋅ 1 Baths ⋅ ML82059838 MLS

The Peninsula Regent is one of San Mateos finest retirement communities. This one bedroom unit is light filled with an open dining/living room combination. The bathroom offers a walk in shower stall and bathtub. Updated kitchen tiles, stackable washer/dryer unit, ample closet space and views of downtown San Mateo are the standout features of this home. Our Independent Living Community is located near the heart of San Mateos downtown area, with conveniences to restaurants, shopping and anything else you might need. Our community offers many benefits for our members in this season of life, which include 2 restaurants, in-house fitness classes, an indoor swimming pool, off site activities and scheduled transportation.

1 Baldwin Avenue Unit #915, San Mateo

Listing courtesy of Scott Withrow from Bay Area Senior Services. 650-425-4237

3015 E Bayshore Rd Unit #411, Redwood City

$375,000

4 Beds ⋅ 2 Baths ⋅ 41146367 MLS

Rare opportunity to own a spacious 4-bedroom home in desirable Harbor Village! This inviting home offers a comfortable floor plan with a generously sized living room featuring a ceiling fan, plus a dedicated dining area with convenient built-in cabinetry. The well-equipped kitchen offers plenty of storage, a stylish tile backsplash, and stainless-steel appliances. Enjoy the convenience of an indoor laundry room with additional storage, with the washer and dryer included. The primary bathroom features a single-sink vanity and stall shower, while the hall bathroom offers a single-sink vanity and tub/shower combination. Outside, there is parking for up to 3 cars, along with a storage shed for added convenience. The home is ideally located just a short walk from the community clubhouse and pool, making it easy to enjoy the neighborhood amenities. Conveniently situated near Bedwell Bayfront Park, Highway 101, the Dumbarton and San Mateo Bridges, and just minutes from Facebook/Meta. A fantastic opportunity to enjoy comfortable living in a convenient location—come see all this home has to offer!

3015 E Bayshore Rd Unit #411, Redwood City

Listing courtesy of Gina Enriquez Avila from Infinity Financial & Rlty. 650-921-7009

$325,000

2 Beds ⋅ 2 Baths ⋅ ML82057217 MLS

Located in San Mateo, this home offers a two-bedroom, two-bathroom layout with 1,125 square feet of living space. The kitchen is equipped with an electric oven range, refrigerator, dishwasher, and garbage disposal, providing essential appliances for meal preparation. Carpet flooring extends throughout the home, complemented by central forced air heating and central air conditioning for year-round comfort. Laundry needs are met with an in-unit washer and dryer. The property includes a garage with an electric vehicle Level 2 (240 volts) hookup. Additional features include ample closet space and a security gate. The outdoor amenities feature an indoor heated pool and spa with jetted hot tub capabilities. Existing structures on the property include a gym, kennel/dog run, pool house, shed, storage facility, and workshop. The home is located within a beautiful retirement community, with convenience to downtown San Mateo.

1 Baldwin Avenue Unit #1008, San Mateo

Listing courtesy of Scott Withrow from Bay Area Senior Services. 650-425-4237

$319,000

1 Beds ⋅ 2 Baths ⋅ ML82057056 MLS

Sun-drenched 8th-floor corner residence at The Peninsula Regent, San Mateo's premier independent 60+ community. This ~1,100 sq. ft. open-concept home features one bedroom, two full baths, and a versatile den ideal for an office or guest room, all wrapped in natural light with elevated neighborhood views. Monthly dues cover daily maintenance, flexible fine dining, housekeeping, 24-hr security, and transportation, true carefree living. Enjoy an indoor pool, fitness center, library, bocce court, and secure underground parking, just steps from downtown San Mateo's shops and dining. Select interior photos are virtually staged to show potential layout options. Experience luxury and maintenance-free living firsthand. A must-see property!

1 Baldwin Avenue Unit #816, San Mateo

Listing courtesy of Nannette N Chapman from Avant Properties. 650-576-7996

1458 Hudson Street Unit #207, Redwood City

$349,888

1 Beds ⋅ 1 Baths ⋅ ML82056945 MLS

Fantastic NEW PRICE! Bright open layout with office alcove home. The kitchen has new quartz counters, stainless steel sink and new water fixtures that opens to the living area. Double doors in the living area allow natural light in and provide access to a balcony. Area for home office at the entry. 1-car carport parking and storage locker. Coin-op laundry on same floor. Pool and community center too! Palm Gardens Community is convenient to downtown Redwood City, Woodside Plaza and Costco and is at the heart of the Peninsula. You have access to a neighborhood YMCA for exercise classes and programs...and just down the road is Red Morton park where you can catch a drop-in pickleball game, plus free concerts, Senior center, and lots of green space and playgrounds. The Courthouse square offers year-round programs and festivals. Amazing dining establishments provide casual to exotic culinary options. Easy access to Hwy 101 and 280 plus RWC Caltrain too! Definitely a MUST SEE!

1458 Hudson Street Unit #207, Redwood City

Listing courtesy of Carmen Miranda from Compass. 650-743-4320

$365,000

1 Baths ⋅ ML82056369 MLS

Excellent investment opportunity in the desirable Peninsula Place community! This well-maintained top-floor studio is located in one of the best locations within the complex, overlooking a peaceful greenbelt and seasonal creek. The unit has been thoughtfully maintained and updated over the years, featuring luxury waterproof vinyl plank flooring in the entry, kitchen, bathroom, and hallway, Laredo carpeting with new padding, Formica countertops with Radiance finish in the kitchen, a stone vanity countertop in the bathroom, updated lighting fixtures, and a newer dishwasher and refrigerator. Peninsula Place offers outstanding amenities, including four swimming pools, a spa, fitness center, tennis courts, and 24-hour patrol. Ideally located just one block from YouTube and Walmart Headquarters, Bayhill Shopping Center, and Commodore Park. Only minutes to SFO, BART, Caltrain, The Shops at Tanforan, Highways 101 and 280, and approximately 10 minutes to downtown San Francisco. **Tenant occupied. Current lease expires on October 31, 2026.**

133 Piccadilly Place Unit H, San Bruno

Listing courtesy of Tatiana Kirasirova from Intero Real Estate Services. 650-703-7034

Start Your Search

Bay East © 2026. CCAR © 2026. BridgeMLS © 2026. Information Deemed Reliable But Not Guaranteed. This information is being provided by the Bay East MLS, or CCAR MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on: