Lower Nob Hill, San Francisco Housing Market · 2026

Data through Jul 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

Lower Nob Hill, San Francisco Market Snapshot

Lower Nob Hill offers real opportunities for buyers right now:

Based on 13 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$617K
Up 12.2% from July 2025
Up $67K from July 2025
Homes Sold
13
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$4,016/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,190
  • Property Tax$643
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
78 days
2 more days than in July 2025
Buyers have time to decide
Sale-to-List Ratio
99.0%
Up from 94.2% in July 2025
Selling 1% below asking
% Sold Over Asking
23%
Only 23% sold above asking. Few bidding wars right now
Active Listings
16
Up 0.5% from July 2025
About 3.7 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Lower Nob Hill.

Median Sale Price
Up 12.2% year-over-year in Lower Nob Hill. Based on 13 sales in the last 3 months.
Homes Sold
86% more homes sold than a year ago in Lower Nob Hill.
Total Monthly Payment
Estimated monthly cost is up 11% from a year ago in Lower Nob Hill, 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 6.71%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Lower Nob Hill, San Francisco

Is now a good time to buy in Lower Nob Hill, San Francisco?

Lower Nob Hill, San Francisco is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.

How do Lower Nob Hill, San Francisco home prices compare to the Bay Area average?

At $617K, Lower Nob Hill, San Francisco's median sits about 66% below the Bay Area average of $1.80M. Lower Nob Hill, San Francisco is among the most accessible parts of the Bay Area.

Within San Francisco, this area trades about 63% below the city-wide median of $1.67M.

How competitive is Lower Nob Hill, San Francisco for buyers?

Lower Nob Hill, San Francisco is a buyer's market:

  • Homes sell about 1% below asking on average
  • 23% close above list price
  • 78 days typical time to go pending
  • 30% of listings have had a price reduction

Buyer strategy: well-structured offers below asking can succeed here.

What will my total monthly cost be on a median-priced Lower Nob Hill, San Francisco home?

At $617K with 20% down at 6.71%, your estimated total monthly cost is approximately $4,016:

  • $3,190 principal and interest
  • $643 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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