San Francisco, CA home prices
Typical home $1,120,379 · +3.1% in a year · income needed $313,500
The San Francisco, CA metro area ranks 8 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +2.7% over five years. With 20% down at 7.11%, the typical home costs about $7,315 a month including 0.78% property tax (Alameda County rate).
Mortgage on the typical San Francisco home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $224,076 | $896,303 | $6,029 | $0 | $1,286 | $7,315 | $313,500 |
| 10% down | $112,038 | $1,008,341 | $6,783 | $420 | $1,286 | $8,489 | $363,800 |
| 5% down | $56,019 | $1,064,360 | $7,160 | $443 | $1,286 | $8,889 | $381,000 |
| 3.5% down (FHA) | $39,213 | $1,100,086 | $7,400 | $496 | $1,286 | $9,182 | $393,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the San Francisco area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alameda County, CA | $1,044,951 | -0.4% | 0.78% |
| Contra Costa County, CA | $768,394 | -0.5% | 0.83% |
| San Francisco County, CA | $1,441,170 | +15.5% | 0.71% |
| San Mateo County, CA | $1,579,058 | +4.4% | 0.61% |
| Marin County, CA | $1,484,731 | +4.8% | 0.66% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in San Francisco?
The typical home in the San Francisco, CA metro area is worth $1,120,379 (Zillow, September 2026).
What salary do you need to buy a house in San Francisco?
About $313,500 a year for the typical home with 20% down at 7.11%.