The median home in San Francisco, California is valued at $1,258,198, up 3.1% year over year. Typical monthly rent is $3,723, producing a price-to-rent ratio of 28.2x — well above the national average of 18x. San Francisco is part of the San Francisco-Oakland-Berkeley, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,258,198
+3.1%
Rent$3,723/mo
AFFORDABILITYRenting $3,534/mo cheaper ($3,723 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for San Francisco.
$251,640 on $1,258,198
Out of reach — 116.1% of income
Need $311,014/yr to afford.
PITI$7,257
P/I116.1%
Afford$303K
Gap-$955K
P&I $6,362Tax $744Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in California
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Full San Francisco-Oakland-Berkeley, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the San Francisco-Oakland-Berkeley, CA metro.
View San Francisco-Oakland-Berkeley, CA metro →