Upper Market, San Francisco Housing Market · 2026

Data through Jul 2026

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

Upper Market, San Francisco Market Snapshot

Upper Market favors sellers and competition is intensifying. Here's the picture:

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
$2.30M
Up 12.2% from July 2025
Up $249K 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
~$14,460/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$11,881
  • Property Tax$2,395
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
24 days
1 more day than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
114.8%
Up from 111.4% in July 2025
Selling 15% above asking
% Sold Over Asking
54%
More than half of homes sold above their asking price
Active Listings
1
Down 82.1% from July 2025
About 0.2 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Upper Market.

Median Sale Price
Up 12.2% year-over-year in Upper Market. Based on 13 sales in the last 3 months.
Homes Sold
18% more homes sold than a year ago in Upper Market.
Total Monthly Payment
Estimated monthly cost is up 11% from a year ago in Upper Market, 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 Upper Market, San Francisco

Is now a good time to buy in Upper Market, San Francisco?

Upper Market, San Francisco favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.

How do Upper Market, San Francisco home prices compare to the Bay Area average?

At $2.30M, Upper Market, San Francisco's median is close to the Bay Area average of $1.80M.

Within San Francisco, this area trades about 37% above the city-wide median of $1.67M.

By home type:

  • Single-family homes at $2.70M
  • Condos at $1.50M
What price range should I budget for in Upper Market, San Francisco?

Prices in Upper Market, San Francisco depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.70M
  • Condos at $1.50M

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 Upper Market, San Francisco for buyers?

Upper Market, San Francisco currently favors sellers:

  • Homes sell about 15% above asking on average
  • 54% close above list price
  • 24 days typical time to go pending
  • 15% of listings have had a price reduction

Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.

What will my total monthly cost be on a median-priced Upper Market, San Francisco home?

At $2.30M with 20% down at 6.71%, your estimated total monthly cost is approximately $14,460:

  • $11,881 principal and interest
  • $2,395 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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