Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$1,441,170+15.5% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 6% have cut their price
Income needed to buy, per year$312,416About 2.3× the local median income ($137,184): hard to afford
Days on market49 daysFaster than a year ago: sellers have the edge
Next 12 months+1.9%Zillow expects prices to rise slightly
The typical home in San Francisco County, CA is worth $1,441,170, up 15.5% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $1,547,497, so the area is 6.9% undervalued. It is a seller's market: homes take about 49 days to sell, listings are down 16% from a year ago, 6% of listings have had a price cut. Zillow expects prices to rise about 1.9% over the next year. A household needs about $312,416 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $137,184. Typical rent is $4,784 a month, or $5,864 for a house. In the latest IRS figures, 7,510 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$1,441,170
Change in 1 year
+15.5%
Overvalued %
−6.9%
Show 7 more
Fair home value
$1,547,497
Change in 5 years
+3.3%
Zillow forecast, next 12 months
+1.9%
Home value to income
10.5×
Monthly mortgage payment (20% down)
$7,810
Income needed to afford it
$312,416
Property tax rate
0.71%
Rent and investing
Typical rent
$4,784
Typical rent for houses
$5,864
Price-to-rent ratio
25.1×
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HUD Fair Market Rent, 2 bedrooms
$3,697
Gross rental yield
3.98%
Cap rate (estimate)
2.59%
Market activity
Listings vs a year ago
−16.0%
Days on market
49
Listings with a price cut
5.5%
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Homes for sale
745
Pending sales per 100 listings
50
Asking price per sq ft
$990
People and jobs
Median household income
$137,184
Population change (1 year)
+0.6%
Unemployment rate
6.1%
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Population
826,079
Income adjusted for cost of living
$118,671
Net moves in (IRS)
−7,510
Cost of living (US = 100)
115.6
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
99.5
Unhealthy air days a year
0
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Flood risk score
98.6
Wildfire risk score
28.7
Walkability (1 to 20)
16.0
Road, rail and air noise
54 dB
Questions people ask
Is San Francisco County, CA overvalued?
Home prices in San Francisco County, CA are slightly below what local incomes have historically supported: fair value is about $1,547,497, so the area is 6.9% undervalued.
Is San Francisco County, CA a buyer's or seller's market?
San Francisco County, CA is a seller's market: homes take about 49 days to sell, listings are down 16% from a year ago, 6% of listings have had a price cut.
Are home prices going down in San Francisco County, CA?
Home values in San Francisco County, CA are up 15.5% over the last year. Zillow's forecast for the next 12 months is +1.9%.
How much do you need to earn to buy a home in San Francisco County, CA?
A household needs about $312,416 a year to afford the typical home in San Francisco County, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $137,184.