San Francisco, California
Buy vs. Rent Calculator
📊 San Francisco Market Analysis
The San Francisco housing market shows a Price-to-Rent ratio of 26.3, calculated from an average home price of $1,200,000 against monthly rents of $3,800. A ratio above 18 suggests that renting and investing the savings into a diversified portfolio is likely the sharper financial play. With a $240,000 down payment, the alternative is investing that capital at a 5% annual return — a key factor our calculator models over 30 years. Adjust the sliders below to test your personal scenario.