Central South of Market, San Francisco Housing Market · 2026

Data through May 2026

Central South of Market, San Francisco Market Snapshot

Central South of Market leans toward buyers, though competition has been picking up recently. Here's where things stand:

Based on 21 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$860K
Up 16.4% from May 2025
Up $121K from May 2025
Homes Sold
21
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$5,423/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$4,344
  • Property Tax$896
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
35 days
14 fewer days than in May 2025
Buyers have time to decide
Sale-to-List Ratio
99.9%
Up from 98.9% in May 2025
Selling at or near asking price
% Sold Over Asking
19%
Only 19% sold above asking. Few bidding wars right now
Active Listings
40
Up 48.1% from May 2025
About 1.9 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Central South of Market.

Median Sale Price
Up 16.4% year-over-year in Central South of Market. Based on 21 sales in the most recent month.
Homes Sold
24% more homes sold than a year ago in Central South of Market.
Total Monthly Payment
Estimated monthly cost is up 12% from a year ago in Central South of Market, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Central South of Market, San Francisco

Is now a good time to buy in Central South of Market, San Francisco?

Central South of Market, San Francisco leans toward buyers, though competition has been picking up recently. Buyers still have leverage to negotiate, but the window may be narrowing.

How do Central South of Market, San Francisco home prices compare to the Bay Area average?

At $860K, Central South of Market, San Francisco's median sits about 54% below the Bay Area average of $1.85M. Central South of Market, San Francisco is among the most accessible parts of the Bay Area.

Within San Francisco, this area trades about 51% below the city-wide median of $1.77M.

How competitive is Central South of Market, San Francisco for buyers?

Central South of Market, San Francisco currently leans toward buyers:

  • Homes sell about 0.1% below asking on average
  • 19% close above list price
  • 35 days typical time to go pending

Buyer strategy: a well-structured offer near or below list price has a good chance of success.

What will my total monthly cost be on a median-priced Central South of Market, San Francisco home?

At $860K with 20% down at 6.49%, your estimated total monthly cost is approximately $5,423:

  • $4,344 principal and interest
  • $896 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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