San Francisco Mortgage Rates Today

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.875%	7.728%	2.194	$2,807
VA 30-Year Fixed	6.750%	7.169%	2.139	$2,766
Conventional 15-Year Fixed	6.750%	7.214%	2.070	$3,565
Conventional 30-Year Fixed	7.250%	7.518%	1.800	$2,855
Jumbo 30-Year Fixed	7.250%	7.461%	1.925	$7,462

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	7.125%	7.990%	2.433	$2,867
VA 30-Year Refinance	7.000%	7.304%	2.500	$2,808
Conventional 15-Year Refinance	7.000%	7.462%	2.235	$3,613
Conventional 30-Year Refinance	7.375%	7.690%	2.454	$2,885
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$7,462

Loan Type	Rate	APR	Points	Est. Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.728% APR and $2,807 monthly payment at 70% loan-to-value (LTV) and 2.194 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.169% APR and $2,766 monthly payment at 70% loan-to-value (LTV) and 2.139 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.214% APR and $3,565 monthly payment at 70% loan-to-value (LTV) and 2.070 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.518% APR and $2,855 monthly payment at 70% loan-to-value (LTV) and 1.800 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.461% APR and $7,462 monthly payment at 70% loan-to-value (LTV) and 1.925 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated property taxes are based on a 0.72% effective rate for San Francisco County, California, applied to the property value for each scenario shown. Rate is median real estate tax paid by households with a mortgage divided by median home value, per the American Community Survey 2020–2024. Taxes shown are an estimate only and vary by property.

Estimated homeowners insurance is based on an average annual premium of $2,014 for San Francisco, CA, divided by twelve. That average covers existing homes of all values in the area, not the property value shown. Insurance shown is an estimate only and varies by property, coverage and carrier.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.990% APR and $2,867 monthly payment at 70% loan-to-value (LTV) and 2.433 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.304% APR and $2,808 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.462% APR and $3,613 monthly payment at 70% loan-to-value (LTV) and 2.235 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.690% APR and $2,885 monthly payment at 70% loan-to-value (LTV) and 2.454 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 14, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $7,462 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated monthly payment includes principal, interest, estimated San Francisco, CA property taxes, and estimated homeowners insurance.

San Francisco housing market at a glance

September 2026 data

In San Francisco, homes are selling in about 55 days (6 faster than a year ago), sales are down 18.2% from last year, and about 7% of listings have had a price cut.

Median sale price

$1,200,000

$898 per sq. ft.

Homes sold

1,207

▼ 18.2% vs. 1,476 last year

Days on market

vs. 61 days last year

Homes for sale

1,432

180 new listings

Listings with a price cut

96 of 1,432 listings

Source: Movoto San Francisco, CA market trends, September 2026. Last updated October 5, 2026.

What it costs to buy a home in San Francisco

Monthly payments on San Francisco's median home price of $1,200,000 (September 2026), at today's rates.

20% down · Conventional

$7,437/mo

Down payment: $240,000
Loan amount: $960,000
Rate: 7.250%
Principal & interest: $6,549
Est. property tax: $720
Est. homeowners insurance: $168

5% down · Conventional

$8,665/mo

Down payment: $60,000
Loan amount: $1,140,000
Rate: 7.250%
Principal & interest: $7,777
Est. property tax: $720
Est. homeowners insurance: $168

3.5% down · FHA

$8,628/mo

Down payment: $42,000
Loan amount: $1,178,265
Rate: 6.875%
Principal & interest: $7,740
Est. property tax: $720
Est. homeowners insurance: $168

Payments include principal, interest, estimated San Francisco property taxes, and estimated homeowners insurance. They do not include mortgage insurance (PMI or FHA monthly MIP), which applies with less than 20% down, or HOA dues. The FHA loan amount includes the 1.75% upfront mortgage insurance premium. These are examples based on the median price, not the sample loan used in the rate table above.

How much income do you need to buy a home in San Francisco?

A common lender guideline is to keep your total housing payment (principal, interest, estimated San Francisco property taxes, and estimated homeowners insurance) at or below 28% of your gross monthly income. Gross income is what you earn before taxes and other deductions come out of your paycheck. Based on that guideline, here's the yearly household income needed for San Francisco's $1,200,000 median home:

20% down · Conventional$7,437/mo payment $318,719/yrabout $26,560/mo before taxes

5% down · Conventional$8,665/mo payment $371,344/yrabout $30,945/mo before taxes

3.5% down · FHA$8,628/mo payment $369,782/yrabout $30,815/mo before taxes

Why this matters: Keeping housing costs near 28% of your income leaves room for other bills, savings and the upkeep that comes with owning a home. It's a planning guideline, not a hard limit.

What lenders look at: Lenders also look at your debt-to-income (DTI) ratio, which adds your car, student loan and credit card payments to the new mortgage payment. Depending on the loan program and your credit, many lenders allow total debts of roughly 43% to 50% of gross income, so you may qualify with less income than shown, or need more if you carry other debt.

Household income counts: If you're buying with a partner or co-borrower, lenders can combine your incomes.

How rates change your payment

Principal and interest on a $960,000 loan (the San Francisco median price with 20% down). Every 0.25% is worth about $162/mo.

Rate	6.25%	6.50%	6.75%	7.00%	7.25% today	7.50%
Monthly P&I	$5,911	$6,068	$6,227	$6,387	$6,549	$6,712

Ways to make a San Francisco home more affordable

Consider buying down your rate. On this example loan, a rate 0.5% lower saves about $322 a month.
Compare loan types. FHA rates are at 6.875% vs. 7.250% for conventional, with as little as 3.5% down. Compare by APR, including mortgage insurance.

San Francisco mortgage and home buying FAQs

What are mortgage rates in San Francisco today?

As of October 14, 2026, Lower’s 30-year fixed conventional rate in San Francisco is 7.250% (7.518% APR), and the 30-year FHA rate is 6.875% (7.728% APR). Your rate depends on your credit, down payment, loan type and any points you pay. See the rate table above for points and full details.

What is the monthly payment on a median-priced home in San Francisco?

On San Francisco’s $1,200,000 median home price (September 2026), a 30-year conventional loan with 20% down at 7.250% comes to about $7,437 a month, including principal, interest, estimated San Francisco property taxes, and estimated homeowners insurance. With an FHA loan and 3.5% down, it’s about $8,628 a month before monthly mortgage insurance.

How much income do I need to buy a house in San Francisco?

To keep housing costs at 28% of gross (pre-tax) income, you’d need a household income of about $318,719 a year to buy San Francisco’s $1,200,000 median home with 20% down, or about $369,782 with an FHA loan and 3.5% down. Lenders also consider your other debts, so the income you need may be higher or lower.

How much do I need for a down payment in San Francisco?

On the $1,200,000 median home, 20% down is $240,000, 5% down is $60,000, and the FHA minimum of 3.5% is $42,000. Putting less than 20% down usually means paying mortgage insurance. You’ll also need money for closing costs.

Is it a buyer’s or seller’s market in San Francisco right now?

In September 2026, San Francisco homes sold in about 55 days, 6 days faster than a year earlier. 1207 homes sold, down from 1476 the year before, and about 7% of the 1432 homes for sale have had a price cut.

How much does a quarter-point rate change affect payments in San Francisco?

On a $960,000 loan (the median San Francisco home with 20% down), each 0.25% change in rate moves the principal and interest payment by about $162 a month, or about $1,944 a year.

How much are property taxes in San Francisco?

Lower estimates San Francisco property taxes at about 0.72% of a home’s value per year. On the $1,200,000 median home, that’s roughly $8,640 a year, or $720 a month. Your actual bill depends on your assessed value and any exemptions.

Market data: Movoto, September 2026. Homeowners insurance estimates are based on average annual premiums in San Francisco from The Zebra; your quote will vary. Rates as of October 14, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

5.0

Irma was really helpful and knowledgeable. kept me informed and up to date throughout the entire process. And really helpful with all my questions as a first time homebuyer

Jesse E.

Verified Customer

September 5, 2026

5.0

Coming from out of state there were aspects of the financing and titling unfamiliar to me e.g. community property state, utilizing two separate trusts, zoning matters, etc. that Scott brought to my attention and remedied…. I also believe that his communication was excellent. Would have liked a little better of a rate, but those issues were beyond his control as it had to do with the type of property and how the lenders viewed things. Overall a relatively simple and excellent experience.

Robert M.

Verified Customer

August 16, 2026

5.0

Very helpful, organized and always available for questions. Great experience

Oscar M.

Verified Customer

October 4, 2026

5.0

It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish.

Nikita L.

Verified Customer

July 25, 2026

5.0

The step by step guidlance and comprehensive explanation of the overall process.

Melvin F.

Verified Customer

August 28, 2026

5.0

I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her gr…eat communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with

Noah M.

Verified Customer

August 4, 2026

Jesse E. rated Irma Arteaga 5.0 stars: Irma was really helpful and knowledgeable. kept me informed and up to date throughout the entire process. And really helpful with all my questions as a first time homebuyer Robert M. rated Scott Edwards 5.0 stars: Coming from out of state there were aspects of the financing and titling unfamiliar to me e.g. community property state, utilizing two separate trusts, zoning matters, etc. that Scott brought to my attention and remedied. I also believe that his communication was excellent. Would have liked a little better of a rate, but those issues were beyond his control as it had to do with the type of property and how the lenders viewed things. Overall a relatively simple and excellent experience. Oscar M. rated Irma Arteaga 5.0 stars: Very helpful, organized and always available for questions. Great experience Nikita L. rated Scott Edwards 5.0 stars: It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish. Melvin F. rated Adriel Esparza 5.0 stars: The step by step guidlance and comprehensive explanation of the overall process. Noah M. rated Irma Arteaga 5.0 stars: I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her great communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with

San Francisco Mortgage Rates Today

Current Mortgage Rates in San Francisco

San Francisco housing market at a glance

What it costs to buy a home in San Francisco

How much income do you need to buy a home in San Francisco?

How rates change your payment

Ways to make a San Francisco home more affordable

San Francisco mortgage and home buying FAQs

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