Safe Rate Local
Learn about the people, housing, costs and businesses in San Francisco, California
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in San Francisco.
True all-in cost — P&I, taxes, insurance & utilities for homes in San Francisco.
Find and compare lenders active near San Francisco.
FEMA flood zones and flood insurance estimates for San Francisco.
Seismic risk and earthquake insurance estimates for San Francisco.
Wildfire exposure and insurance estimates for San Francisco.
As of today, the 30-year fixed mortgage rate for San Francisco is approximately 6.557% (6.596% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for San FranciscoThe median home value in San Francisco is $1.4M. The median monthly rent is $2,541. Annual property taxes average $9k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in San Francisco have increased 3.0% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,679/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $115k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in San Francisco is $146k/year.
Calculate your buying powerThe largest employment sectors in San Francisco are public administration (24%) and healthcare (20%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.