Upper Market, San Francisco Housing Market · 2026
Data through Sep 2026
Upper Market, San Francisco Market Snapshot
Upper Market still favors sellers, but the market is cooling. Here's where things stand:
- 33 days on market gives buyers time to be selective and negotiate
- Selling 10% above asking. Budget above list price to compete
- Loan payment: $9,340/mo P&I (7.32%, 20% down on a $1.70M home) · Est. total ~$11,293/mo with tax + insurance.
- Upper Market pricing is near the San Francisco city-wide median ($1.70M vs. $1.58M)
Based on 6 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$9,340
- Property Tax$1,770
- Insurance$183
Market Trends
See how prices, monthly costs, and mortgage rates have moved in Upper Market.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
Frequently asked questions about Upper Market, San Francisco
- Is now a good time to buy in Upper Market, San Francisco?
Upper Market, San Francisco still favors sellers, but conditions are slowly improving for buyers. Well-priced homes move fast, and there is slightly more room to negotiate than there was a year ago.
- How do Upper Market, San Francisco home prices compare to the Bay Area average?
At $1.70M, Upper Market, San Francisco's median is close to the Bay Area average of $1.77M.
This is close to the San Francisco city-wide median of $1.58M.
By home type:
- Condos at $1.10M
- Single-family homes at $2.30M
- 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:
- Condos at $1.10M
- Single-family homes at $2.30M
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 10% above asking on average
- 50% close above list price
- 33 days typical time to go pending
- 25% 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 $1.70M with 20% down at 7.32%, your estimated total monthly cost is approximately $11,293:
- $9,340 principal and interest
- $1,770 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.
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