Mortgage Payment Calculator for San Francisco, CA
Updated 2026 · Local data pre-filled
The median home price in San Francisco, CA is $1,350,000, with an effective property tax rate of 0.63% — below the national average of 1.10%. We've pre-filled the calculator with local figures so your estimate reflects what buyers actually pay in San Francisco.
✓ Calculator below is pre-filled with San Francisco local data
How San Francisco Compares to the National Average
Understanding how San Francisco stacks up helps you calibrate your financial planning.
| Metric | San Francisco, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $1,350,000 | $420,800 | +220.8% |
| Median Monthly Rent | $3,498 | $1,713 | +104.2% |
| Median Household Income | $131,000 | $74,580 | +75.7% |
| Property Tax Rate | 0.63% | 1.10% | -42.7% |
| Cost of Living Index | 214 | 100 | +114.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
San Francisco Financial Snapshot
- Population (Metro)
- 4,740,000
- Unemployment
- 3.8%
- Avg Commute
- 34 min
- Median Age
- 38.3
- Price-to-Rent Ratio
- 32.2x
- Annual Property Tax
- $8,505
Mortgage Payment Calculator in Other California Cities
Frequently Asked Questions — San Francisco
What is the median home price in San Francisco, CA?
The median home price in San Francisco is $1,350,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in San Francisco?
Median monthly rent in San Francisco is $3,498. That works out to $41,976/year, or 32% of the median household income — above the recommended 30% threshold.
Is San Francisco affordable?
San Francisco's cost of living index is 214 vs. the national average of 100. With a median household income of $131,000/year and a median home price of $1,350,000, the price-to-income ratio is 10.3x. This makes homeownership a significant stretch for the typical San Francisco household.
What is the property tax rate in San Francisco?
The effective property tax rate in San Francisco is 0.63% of assessed value. On the median home of $1,350,000, that's roughly $8,505/year ($709/month).