Lower Pacific Heights, San Francisco Housing Market · 2026

Data through May 2026

Lower Pacific Heights, San Francisco Market Snapshot

Lower Pacific Heights is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 15 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
$1.68M
Up 4.7% from May 2025
Up $75K from May 2025
Homes Sold
15
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$10,380/mo
6.48% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$8,452
  • Property Tax$1,745
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
19 days
2 fewer days than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
114.0%
Up from 105.7% in May 2025
Selling 14% above asking
% Sold Over Asking
87%
87% of homes sold above their asking price
Active Listings
5
Down 66.7% from May 2025
About 0.3 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Lower Pacific Heights.

Median Sale Price
Up 4.7% year-over-year in Lower Pacific Heights. Based on 15 sales in the most recent month.
Homes Sold
12% fewer homes sold than a year ago in Lower Pacific Heights.
Total Monthly Payment
Estimated monthly cost is up 1% from a year ago in Lower Pacific Heights, 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 6.48%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Lower Pacific Heights, San Francisco

Is now a good time to buy in Lower Pacific Heights, San Francisco?

Lower Pacific Heights, 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 Lower Pacific Heights, San Francisco home prices compare to the Bay Area average?

At $1.68M, Lower Pacific Heights, San Francisco's median is close to the Bay Area average of $1.85M.

This is close to the San Francisco city-wide median of $1.77M.

By home type:

  • Condos at $1.42M
  • Single-family homes at $2.06M
What price range should I budget for in Lower Pacific Heights, San Francisco?

Prices in Lower Pacific Heights, San Francisco depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Condos at $1.42M
  • Single-family homes at $2.06M

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Lower Pacific Heights, San Francisco for buyers?

Lower Pacific Heights, San Francisco is one of the Bay Area's more competitive markets:

  • Homes sell about 14% above asking on average
  • 87% close above list price
  • 19 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

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

At $1.68M with 20% down at 6.48%, your estimated total monthly cost is approximately $10,380:

  • $8,452 principal and interest
  • $1,745 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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