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San Francisco

Current Mortgage Rates in San Francisco, California

Compare mortgage rates and fees for leading lenders in San Francisco, CA. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in San Francisco.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in San Francisco. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in San Francisco, CA as of January 21, 2020
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.
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How Do Today's San Francisco, CA Mortgage Rates Compare?

January 21, 2020

The current average rate for a 30 year fixed rate mortgage in San Francisco is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
San Francisco, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in San Francisco, California?

Below we provide helpful information on the real estate market, home prices and housing affordability in San Francisco. Understand how much you need to earn to afford a home in San Francisco, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in San Francisco fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in San Francisco is right for you.

The median home value for San Francisco, CA is $1,274,056

Based on current mortgage rates and a 10% down payment, you need to make $229,297 per year to buy the median priced home in San Francisco

With this income, you could qualify for a $1,146,651 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in San Francisco is $5,310

The median household income for San Francisco, CA is $101,525

Based on this income, you can afford a home valued at approximately $564,109

The home price you can afford to buy based on household income in San Francisco is 44% of the median home value which means housing prices are very expensive. San Francisco ranks 58 out of 58 counties in California and 3,140 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in San Francisco, CA is very expensive

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Loan Limits for San Francisco, California

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for San Francisco below.

Conforming loan limits for San Francisco, CA

1 unit: $765,600
2 units: $980,325
3 units: $1,184,925
4 units: $1,472,550

FHA loan limits for San Francisco, CA

1 unit: $765,600
2 units: $980,325
3 units: $1,184,925
4 units: $1,472,550

VA loan limits for San Francisco, CA

1 unit: $765,600

Additional Mortgage Resources for San Francisco, CA Residents

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