Aug 2026
$1.7M
+14.2% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
San Francisco, CA
Median sale price, a Redfin vs. FHFA price check, and daily-refreshed real estate signals for San Francisco, CA. Built for agents; free to read.
San Francisco, CA’s median sale price is $1.7M as of Aug 2026 — +14.2% year over year. Pecan Street measures San Francisco’s year-over-year home-price change two independent ways: Redfin sale prices and the FHFA House Price Index. No market signals are flagged here right now.
Headline
Oct 6, 2026
7.45%
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
$9,203/mo
$394K/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
| Home-price growth | ↑4th of 195 (top 3%) |
|---|---|
| Price-to-rent | ↑4th of 195 (top 3%) |
| Days on market | ↓186th of 195 |
| Price cuts | ↓169th of 195 |
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 | ≈ 29 +8.8% YoY ↑4th of 195 (top 3%) |
|---|---|
| Asking price / sq ft | $627 -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 Sep 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% -0.2 pts YoY ↓169th of 195 |
|---|---|
| New housing units permitted | 945 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 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 Aug 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 | Redfin vs FHFA HPI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 14.5ppRedfin (city) +14.2% | 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.
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 94505 | $801K↓ | 93↓ | 24↑ | 30↓ | 49↓ | $779K↓ |
| 94509 | $540K↓ | 91↓ | 40↓ | 30↓ | 45↓ | $540K↓ |
| 94513 | $754K↓ | 146↓ | 58↓ | 74↓ | 39↓ | $786K↓ |
| 94531 | $693K↓ | 94↓ | 38↑ | 34↓ | 42↓ | $664K↓ |
| 94550 | $1.2M↑ | 80↑ | 46↑ | 32↓ | 31↓ | $1.2M↓ |
| 94551 | $925K↓ | 79↑ | 34↑ | 26↓ | 35↓ | $970K↓ |
| 94560 | $1.2M↑ | 83↑ | 52↓ | 24↑ | 29↓ | $1.2M↓ |
| 94561 | $719K↓ | 104↑ | 32↓ | 34↓ | 44↓ | $659K↓ |
| 94565 | $570K↓ | 106↑ | 48↑ | 42↑ | 47↓ | $561K↓ |
| 94568 | $1.3M↓ | 133↑ | 60↑ | 50↑ | 31↑ | $1.2M↓ |
| 94595 | $493K↓ | 101↑ | 50↓ | 38↑ | 51↑ | $681K↑ |
| 94605 | $650K↑ | 83↓ | 44 | 12↓ | 40↓ | $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.