Downtown San Francisco-Union Square, San Francisco Housing Market · 2026
Data through Sep 2026
Downtown San Francisco-Union Square, San Francisco Market Snapshot
Downtown San Francisco-Union Square is shifting toward buyers. Here's where things stand:
- 22 days on market gives buyers time to be selective and negotiate
- Selling 2% below asking. Sellers are flexible on price
- Loan payment: $5,933/mo P&I (7.32%, 20% down) · Est. total ~$7,241/mo with tax + insurance, well below the Bay Area average.
Based on just 3 sales in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Read this as a rough snapshot; a single transaction can move these numbers noticeably. Updated weekly.
Data through September 2026
- Principal & Interest$5,933
- Property Tax$1,125
- Insurance$183
Market Trends
See how prices, monthly costs, and mortgage rates have moved in Downtown San Francisco-Union Square.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
Frequently asked questions about Downtown San Francisco-Union Square, San Francisco
- Is now a good time to buy in Downtown San Francisco-Union Square, San Francisco?
Data for Downtown San Francisco-Union Square, San Francisco specifically is limited. Only 3 sales in the last 3 months is not enough to read neighborhood-level conditions, and one unusual transaction can dominate the reported numbers. Zooming out to the broader San Francisco market: san Francisco is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.
- How do Downtown San Francisco-Union Square, San Francisco home prices compare to San Francisco and the Bay Area?
Downtown San Francisco-Union Square, San Francisco's 3 recent sales were at a median of $1.08M. That is roughly 32% below San Francisco's city-wide median of $1.58M. With only a small sample, it is hard to draw firm neighborhood-level conclusions. This could reflect a specific property or an unusual transaction rather than a broader trend. For context, the Bay Area median is $1.77M.
- What will my total monthly cost be on a typical Downtown San Francisco-Union Square, San Francisco home?
Using the 3 recent sales (median $1.08M) as a rough anchor, your estimated total monthly cost with 20% down at 7.32% would be approximately $7,241:
- $5,933 principal and interest
- $1,125 property tax (California 1.25% effective rate)
- $183 homeowners insurance
The actual number for any specific property depends on sale price, HOA if applicable, and lender.
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