Mortgage payment estimates, closing cost breakdowns, and homebuying data for San Francisco, California.
Pre-filled with San Francisco median home price and California tax/insurance rates. Adjust for your property.
Estimated closing costs based on California rates and fees applied to San Francisco prices.
The median home price in San Francisco is $1,350,000, 72% above the California state median of $785,000. With a population of 873,965, San Francisco is a major metro area where home prices reflect strong demand and local economic factors.
Property taxes in California average 0.73% annually. This moderate property tax rate means a $1,350,000 home in San Francisco would carry roughly $821/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in San Francisco is $3,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
San Francisco is a higher-cost market. At $1.4M median, buyers need significant savings or strong income. Down payment assistance through California's CalHFA Dream For All program becomes especially important.