Union Street, San Francisco Housing Market · 2026

Data through Sep 2026

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

Union Street, San Francisco Market Snapshot

Union Street 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 the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$2.05M
▲ Up 2.7% from September 2025
Up $54K from September 2025
Homes Sold
15
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,670/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,352
  • Property Tax$2,135
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
18 days
▼ 13 fewer days than in September 2025
Homes typically sell within a month
Sale-to-List Ratio
110.2%
▲ Up from 97.8% in September 2025
Selling 10% above asking
% Sold Over Asking
66%
66% of homes sold above their asking price
Active Listings
6
▼ Down 36.0% from September 2025
About 1.3 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Union Street.

Median Sale Price
Up 2.7% year-over-year in Union Street. Based on 15 sales in the last 3 months.
Homes Sold
12% fewer homes sold than a year ago in Union Street.
Total Monthly Payment
Estimated monthly cost is up 9% from a year ago in Union Street, 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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Union Street, San Francisco

Is now a good time to buy in Union Street, San Francisco?

Union Street, 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 Union Street, San Francisco home prices compare to the Bay Area average?

At $2.05M, Union Street, San Francisco's median is close to the Bay Area average of $1.77M.

Within San Francisco, this area trades about 30% above the city-wide median of $1.58M.

How competitive is Union Street, San Francisco for buyers?

Union Street, San Francisco is one of the Bay Area's more competitive markets:

  • Homes sell about 10% above asking on average
  • 66% close above list price
  • 18 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 Union Street, San Francisco home?

At $2.05M with 20% down at 7.4%, your estimated total monthly cost is approximately $13,670:

  • $11,352 principal and interest
  • $2,135 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.”
See all reviews on Zillow →

Let's Chat!

I read every message and usually reply the same day.

What brings you here?