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.

Home Value$1,258,198

+3.1%

Rent$3,723/mo

Prices rising — worse for buyers.

Affordability

Enter your income for San Francisco.

Income (annual)

Down Payment

$251,640 on $1,258,198

Example: $75,000 household income. Change it above to see your own.

Out of reach116.1% of income

Need $311,014/yr to afford.

PITI$7,257

P/I116.1%

Afford$303K

Gap-$955K

P&I $6,362Tax $744Ins $150

Renting $3,534/mo cheaper ($3,723 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare San Francisco with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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

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San Francisco, CA