San Francisco, California

📊 San Francisco Market Analysis

Buying a home in San Francisco comes with costs that never appear in the listing price. Closing costs run 3.0% of the purchase price ($36,000), annual property taxes are 1.10%, and maintenance averages 1% per year. For someone staying less than 3 years, these unrecoverable costs add up to approximately $123,600 per year — before you even account for selling fees of 6%. In San Francisco, these friction costs tilt the math firmly toward renting for anyone without a 10+ year horizon. The calculator below lets you see exactly when buying overtakes renting for your situation.