Quick answer
The median home in San Francisco costs $1100K. With 20% down ($220K) at 7% for 30 years, the monthly payment is $5,855/month. Total interest paid over 30 years: $1,227,678.
Calculator · CA · 2026
Mortgage Calculator for San Francisco, CA (2026)
Pre-filled with San Francisco's median home price of $1100K. Compare payments across down payment sizes and loan terms at the current 7.0% baseline rate.
Last updated: April 23, 2026
San Francisco Mortgage Payment Scenarios
Median home price: $1100K · Interest rate: 7% · Excludes property taxes and insurance.
| Down Payment | Down ($) | Loan Amount | 30-yr/mo | 15-yr/mo | Total Interest (30yr) |
|---|---|---|---|---|---|
| 5% | $55,000 | $1,045,000 | $6,952 | $9,393 | $1,457,868 |
| 10% | $110,000 | $990,000 | $6,586 | $8,898 | $1,381,138 |
| 20% | $220,000 | $880,000 | $5,855 | $7,910 | $1,227,678 |
PMI required for <20% down — add ~$100–300/month to payments above.
Rent vs Buy in San Francisco
Monthly cost comparison based on median prices — 20% down, 30-year mortgage at 7%.
Buying (median home)
+ builds equity in $1100K asset
Renting (2-bedroom)
Flexibility to move; no equity built
Amortization Over Time
$1100K home · 20% down ($880K loan) · 7% · 30 years
Year 1
Year 15
Year 30 (Final)
Frequently Asked Questions
What is the monthly mortgage payment for a home in San Francisco?
The median home price in San Francisco is $1100K. With 20% down and a 30-year loan at 7%, the monthly payment is $5,855. Adding estimated property taxes and insurance brings total monthly costs to approximately $6,955.
Is it cheaper to rent or buy in San Francisco?
A 2-bedroom rental in San Francisco averages $3,800/month. Buying the median $1100K home with 20% down costs approximately $6,955/month (mortgage + taxes + insurance) — $3,155 more than renting. However, buying builds equity while renting does not.
How much do I need to earn to buy a home in San Francisco?
Using the 28% housing rule, you need at least $251K–298K in annual gross income to comfortably afford the median $1100K home in San Francisco with 20% down. You also need $220K+ saved for the down payment plus 2–5% in closing costs.
What are property taxes like in San Francisco?
CA has a state income tax rate of Up to 13.3%. Property taxes vary by county but on a $1100K home, expect $917–$1,833/month in property taxes (1–2% annual rate). This is in addition to your mortgage payment.