Aug 2026
$1.7M
+14.3% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
San Francisco, CA
Daily-refreshed real estate signals + Three-Opinion home-price methodology for San Francisco, CA. Built for agents; free to read.
San Francisco, CA’s median sale price is $1.7M as of Aug 2026 — +14.3% year over year. Pecan Street tracks San Francisco with its Three-Opinion home-price methodology (Redfin, FHFA HPI, and Zillow ZHVI), with no market signals flagged right now.
Headline
Sep 18, 2026
7.04%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$8,838/mo
$379K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How San Francisco compares to other U.S. metros
| Price-to-rent | ↑3rd of 195 (top 2%) |
|---|---|
| Home-price growth | ↑4th of 195 (top 3%) |
| Days on market | ↓179th of 194 |
| Price cuts | ↓168th of 194 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 30 +2.7% YoY ↑3rd of 195 (top 2%) |
|---|---|
| Asking price / sq ft | $619 -4.3% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 28% -1.9 pts YoY ↓168th of 194 |
|---|---|
| New housing units permitted | 1,041 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Aug 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Jul 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 170 |
|---|---|
| MLS board of record | — |
| Price methodology | Three-Opinion · Redfin · FHFA HPI · Zillow ZHVI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 14.6ppRedfin (city) +14.3% | FHFA HPI · Q2 2026 -0.3% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
Market dispatches
Citable market dispatches for San Francisco → Latest dispatch: Jul 10, 2026.
More markets in CA
Get the daily version of this page
Public weekly reads vs. daily-refreshed signals + a branded share-queue + a per-agent newsletter. Free trial.
Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 94505 | $799K↓ | 100↓ | 32 | 28↓ | 59↓ | $779K↓ |
| 94509 | $535K↓ | 89↓ | 44↓ | 44↓ | 38↓ | $540K↓ |
| 94513 | $775K↓ | 147↓ | 68 | 64↓ | 44↓ | $786K↓ |
| 94521 | $754K↓ | 85↑ | 32↑ | 40↑ | 37↓ | $784K↑ |
| 94531 | $699K↓ | 91↓ | 44↑ | 36↓ | 38↓ | $664K↓ |
| 94536 | $1.2M↑ | 88↑ | 52↑ | 24↑ | 31↑ | $1.4M↓ |
| 94550 | $1.3M↓ | 80↑ | 52↓ | 28↓ | 31↑ | $1.2M↓ |
| 94561 | $719K↓ | 105↑ | 40↑ | 28↓ | 44↓ | $659K↓ |
| 94565 | $580K↓ | 116↑ | 56↑ | 44↑ | 44↓ | $561K↓ |
| 94568 | $1.2M↓ | 150↑ | 76↑ | 52↑ | 31↓ | $1.2M↓ |
| 94595 | $548K↓ | 113↑ | 32↓ | 52↑ | 51↑ | $681K↑ |
| 94605 | $689K↑ | 85↓ | 40↓ | 16↓ | 34↓ | $666K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.