Monterey Heights, San Francisco Housing Market · 2026
Data through Sep 2026
Monterey Heights, San Francisco Market Snapshot
Monterey 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:
- Homes go pending in about 10 days, so move quickly or you'll miss out
- Selling 31% above asking. Budget above list price to compete
- Loan payment: $14,773/mo P&I (7.32%, 20% down) · Est. total ~$17,757/mo with tax + insurance, 1.5x the Bay Area average.
- Monterey Heights pricing is 70% above the San Francisco median ($2.69M vs. $1.58M)
Based on 5 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.
Data through September 2026
- Principal & Interest$14,773
- Property Tax$2,800
- Insurance$183
Market Trends
See how prices, monthly costs, and mortgage rates have moved in Monterey Heights.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
Frequently asked questions about Monterey Heights, San Francisco
- Is now a good time to buy in Monterey Heights, San Francisco?
Monterey 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 Monterey Heights, San Francisco home prices compare to the Bay Area average?
At $2.69M, Monterey Heights, San Francisco's median sits about 52% above the Bay Area average of $1.77M. Monterey Heights, San Francisco is on the higher end of the regional market.
Within San Francisco, this area trades about 70% above the city-wide median of $1.58M.
- How competitive is Monterey Heights, San Francisco for buyers?
Monterey Heights, San Francisco is one of the Bay Area's more competitive markets:
- Homes sell about 31% above asking on average
- 100% close above list price
- 10 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 Monterey Heights, San Francisco home?
At $2.69M with 20% down at 7.32%, your estimated total monthly cost is approximately $17,757:
- $14,773 principal and interest
- $2,800 property tax (California 1.25% effective rate)
- $183 homeowners insurance
HOA fees are extra.
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