How much do homeowners pay a month in San Francisco, CA?

Name: Homeowner costs in San Francisco, CA, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in San Francisco, CA pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,020 (±$25).

64.1% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,020 (±$25)
Owned with a mortgage: 64.1%

Monthly owner costs in San Francisco

Median selected monthly owner costs, estimate (90% margin of error)
	San Francisco	San Francisco County	California	United States
With a mortgage	$4,000 or more	$4,000 or more	$2,946 (±$5)	$1,963
Without a mortgage	$1,020 (±$25)	$1,020 (±$25)	$829 (±$3)	$638
Owned homes with a mortgage	64.1% (±1.1 points)	64.1% (±1.1 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$9,862 (±$215)	$9,862 (±$215)	$5,124 (±$17)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

How owner costs in San Francisco have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median real estate taxes	$7,001 (±$106)	$9,862 (±$215)	+40.9%	Up after inflation
Median home value	$1,097,800 (±$9,894)	$1,394,500 (±$20,642)	+27.0%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near San Francisco

Nearest places with a published estimate, compared with San Francisco
Place	Distance	Median monthly cost with a mortgage	Compared with this place
San Francisco	—	$4,000 or more	—
Bolinas	22 mi	$4,000 or more	—
Inverness	26 mi	$4,000 or more	—
Lagunitas-Forest Knolls	27 mi	$3,951 (±$921)	—
Woodacre	29 mi	$4,000 or more	—
Tamalpais-Homestead Valley	29 mi	$4,000 or more	—
Mill Valley	30 mi	$4,000 or more	—
Kentfield	30 mi	$4,000 or more	—
Fairfax	30 mi	$4,000 or more	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in San Francisco

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for San Francisco beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near San Francisco, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near San Francisco, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about San Francisco

What is the average mortgage payment in San Francisco?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in San Francisco, CA is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in San Francisco?

Owners without a mortgage in San Francisco pay a median of $1,020 (±$25) a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for San Francisco city, California (place:67000, in state:06).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.