# House Hacking in Daly City (94014): The cheapest county foothold, one BART stop from SF · The Rent Hacker > Daly City 94014 for house hackers: The cheapest San Mateo County foothold (~$1.1M), sold on in-ZIP BART-to-SF access, a live Mission St mixed-use upzone, and Canonical: https://therenthacker.com/house-hacking/daly-city-bayshore-94014/ Source: The Rent Hacker (https://therenthacker.com/). License: RSL, attribution required — https://therenthacker.com/license.xml --- [Peninsula guide](/house-hacking/peninsula/) · Tier S · Rank #5 of 28 # House hacking in Daly City (Bayshore / Crocker / Top of the Hill + Colma). The cheapest San Mateo County foothold (~$1.1M), sold on in-ZIP BART-to-SF access, a live Mission St mixed-use upzone, and the largest affordable project in county history under construction. ## What's actually happening in 94014 - Under construction Midway Village redevelopment (Bayshore): County Housing Authority, 555 affordable units across 4 phases; Phase 1 (147 households) delivered, Phase 2 (113 units) under construction since 2025 and opening ~2027. The largest affordable project in county history. [County of San Mateo](https://www.smcgov.org/ceo/news/funding-approved-largest-affordable-housing-project-san-mateo-countys-history) - Operational; station-area plan 1994-vintage Colma BART in-ZIP (opened 1996, 1,400-space garage) plus Daly City BART on the border, ~15–20 minutes to the SF core; the 1994 Colma BART Station Area Plan designates the surrounding unincorporated parcels for TOD. [County of San Mateo](https://www.smcgov.org/planning/colma-bart-station-area-plan-1994) - In progress Mission St / Geneva Ave C-MU corridor rezoning: Housing Element upzoning of the Mission St spine (Original Daly City / Top of the Hill) to mixed-use, up to 9 stories at 150–180 du/ac. [City of Daly City](https://www.dalycity.org/1156/Commercial-Mixed-Use-C-MU-Zone-Developme) - Adopted The County Housing Element's 120-to-150 u/ac upzoning reaches the unincorporated Colma/Broadmoor edge; SB 9 and ADU rules apply citywide. [San Mateo County Housing Element](https://www.smcgov.org/planning/san-mateo-county-housing-element-update-2023-2031) ## The numbers Median price ~$1.1M (Redfin, Feb 2026) Market rent all-bed ~$2,337/mo (Zumper) Property tax (San Mateo County) 1.26% combined effective average (range 1.08–1.52% by tax-rate area; purchase resets the assessed basis to sale price) Per-bed rent band $1,000–1,400/mo per bed ADU rent band $2,200–2,800/mo Whole-home rent band $3,400–4,200/mo whole-home Underwriting vacancy 4–5% underwriting vacancy Appreciation scenarios 2.5 / 4.0 / 5.5 %/yr (conservative / base / upside) DOM 18–21 days in this lower-price tier; AB 1482 only. Appreciation basis: BART access plus Midway Village; thin in-ZIP jobs cap the upside. Rent bands are city-level medians; confirm the specific parcel before trusting any of them. [Run your own scenario in the calculator](/calculator/). ## Buildings we underwrote in 94014 4 buildings in 94014 carry a record. 0 beat renting and index funds; the rest did not. Every row links to its own page, with the numbers it was scored on. Property At our defaults Status [48 Garibaldi St](/property/rh-a6wkvj/48-garibaldi-st/) 2 units · $1,250,000 −$865,965 S&P 500 Underwritten — the index wins at our defaults [901-903 Hanover St](/property/rh-khwiv5/901-903-hanover-st/) 2 units · $1,498,000 −$1,138,502 S&P 500 Underwritten — the index wins at our defaults [731 Hillside Blvd](/property/rh-q0omp9/731-hillside-blvd/) 4 units · $1,640,000 −$1,139,984 S&P 500 Underwritten — the index wins at our defaults [154-156 2nd Ave](/property/rh-20ipxx/154-156-2nd-ave/) 2 units · $1,595,000 −$1,216,217 S&P 500 Underwritten — the index wins at our defaults The full [board](/board/) shows every region's current week; this table is every record we hold for 94014, newest basis first. ## The house-hack angle SFR plus an in-law or ADU one BART stop from SF; small mixed-use on the Mission St C-MU corridor. In-ZIP jobs are thin (Seton sits 1–1.5 miles out, plus Cow Palace and the Bayshore industrial belt): the anchor is SF itself. ## What breaks it - The weakest in-ZIP employment leg: SF adjacency carries the thesis - Daly City BART surface-lot TOD is mid-2030s speculative - San Bruno Mountain habitat rules constrain the Bayshore/Colma hillside edge, and the 1994 Colma Station Area Plan has low recent momentum This page is the standing analysis. The weekly part, actual Daly City-area listings that pass the math, lands on the Peninsula board every Thursday. [This week's Peninsula board](/board/sf-peninsula/) [This week's Peninsula board](/board/sf-peninsula/) · [Read past Peninsula issues](/issues/sf-peninsula/) · [Every pick, on the record](/track-record/) · [How a deal becomes a pick](/methodology/) Data synthesized 2026-07-05, catalysts re-verified 2026-07-16. Mortgage-rate basis: 6.43% (Freddie Mac PMMS, week of 2026-07-02). Sources are the public planning documents and market listings named above, fetched on the synthesis date. Nothing here is investment advice; every deal needs a bindable insurance quote and parcel-level verification.