San Francisco FHA Loan Rates, Closing Costs & Stats

San Francisco-Oakland-Berkeley, CA

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

San Francisco's 185 lenders originated 5,131 FHA loans during 2021. The total origination value was $2,599,255,000, with an average FHA loan value of $506,579.

San Francisco FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in San Francisco averaged -0.34% for the week of 2022-11-25, compared to the national average (all FHA variants) of 0% for the same period.

San Francisco's average FHA mortgage closing costs are $14,225.

The average rate for the prior week (2022-11-18) was 6.39% and one month ago for the week of 2022-10-21, the average rate was 6.4%.

The average rate one year ago was 3.07%.

For refis of the same type during the week of 2022-11-25, the average rate was -0.57%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

San Francisco FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the San Francisco level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 397 2.63% $12,148
UNITED WHOLESALE MORTGAGE, LLC 267 2.70% $16,125
CALIBER HOME LOANS, INC. 267 2.82% $14,264
FREEDOM MORTGAGE CORPORATION 181 2.63% $10,254
LOANDEPOT.COM, LLC 176 3.05% $16,409
AMERICAN PACIFIC MORTGAGE CORPORATION 151 3.03% $16,729
LAKEVIEW LOAN SERVICING, LLC 117 2.74% $9,643
Mr. Cooper ( Nationstar Mortgage ) 114 2.97% $8,930
Commerce Home Mortgage, Inc. 103 3.23% $17,616
HOMEBRIDGE FINANCIAL SERVICES, INC. 88 2.86% $15,421
GUARANTEED RATE, INC. 79 2.92% $17,306
Carrington Mortgage Services, LLC 75 3.14% $16,362
PENNYMAC LOAN SERVICES, LLC 67 2.87% $10,840
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 66 3.19% $18,258
GUILD MORTGAGE COMPANY 64 2.86% $15,861
CROSSCOUNTRY MORTGAGE, LLC 63 2.98% $17,892
HOME POINT FINANCIAL CORPORATION 60 2.72% $14,374
FINANCE OF AMERICA MORTGAGE LLC 55 2.81% $15,990
CMG MORTGAGE, INC. 53 3.06% $21,800
Lakeview Community Capital, LLC 53 2.75% $9,097
NEWREZ LLC 46 2.74% $11,156
VILLAGE CAPITAL MORTGAGE 42 2.49% $5,798
LENDUS, LLC 37 2.70% $14,528
Paramount Residential Mortgage Group, Inc. 35 3.09% $15,123
MASON MCDUFFIE MORTGAGE CORPORATION 35 2.89% $16,031
ALAMEDA MORTGAGE CORPORATION 35 2.98% $15,251
BROKER SOLUTIONS, INC. 34 2.98% $15,259
AMERICAN FINANCIAL NETWORK, INC. 33 2.98% $26,902
Platinum Home Mortgage Corporation 29 3.01% $20,289
PLANET HOME LENDING, LLC 28 2.84% $13,757
KBHS HOME LOANS, LLC 27 2.92% $18,570
SUN WEST MORTGAGE COMPANY, INC. 26 2.97% $15,647
DHI MORTGAGE COMPANY, LTD. 26 2.62% $15,107
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 24 2.98% $13,515
SUMMIT FUNDING, INC. 24 3.09% $18,654
BECKAM FUNDING CORP. 23 3.89% $26,541
Equity Prime Mortgage LLC 22 2.89% $18,092
EVERETT FINANCIAL, INC. 21 3.26% $13,533
BAY EQUITY LLC 20 3.10% $17,668
AmeriHome Mortgage Company, LLC 19 2.66% $10,389
PRIMARY RESIDENTIAL MORTGAGE, INC. 18 3.06% $19,948
NATIONS DIRECT MORTGAGE, LLC 18 2.81% $17,596
LAND HOME FINANCIAL SERVICES, INC. 17 3.09% $17,069
AMERISAVE MORTGAGE CORPORATION 17 2.89% $14,125
MOUNTAIN WEST FINANCIAL, INC. 15 3.37% $22,521
MOVEMENT MORTGAGE, LLC 14 2.91% $15,843
ENVOY MORTGAGE, LTD 13 3.15% $15,817
OCMBC, INC. 13 2.90% $14,703
Sierra Pacific Mortgage Company, Inc. 13 3.09% $18,585
Hometown Equity Mortgage, LLC 11 3.24% $19,051
First Guaranty Mortgage Corporation 10 2.79% $12,380
INSPIRE HOME LOANS INC. 10 3.05% $17,564
Nations Lending Corporation 9 3.06% $17,384
MID AMERICA MORTGAGE, INC. 9 2.90% $5,916
Flagstar Bank, FSB 9 2.99% $17,366
STEARNS LENDING, LLC 9 3.01% $11,914
South Pacific Financial Corporation 9 3.07% $20,756
SNAPFI, INC. 9 2.99% $15,964
InterContinental Capital Group, Inc 9 2.49% $9,082
U.S. Bank 8 2.91% $13,549
Golden Empire Mortgage, Inc. 8 3.02% $19,297
S1L, Inc. 8 3.06% $17,985
PREMIER LENDING, INC. 7 2.93% $19,745
PULTE MORTGAGE LLC 7 2.98% $13,321
PLAZA HOME MORTGAGE, INC. 7 2.78% $12,315
The Federal Savings Bank 6 2.75% $10,442
GUARANTEED RATE AFFINITY, LLC 6 2.94% $13,957
ROUNDPOINT MORTGAGE SERVICING CORPORATION 6 3.02% $16,379
JPMorgan Chase Bank 6 3.00% $9,719
LADERA LENDING, INC. 5 2.58% $12,280
TOP FLITE FINANCIAL, INC. 5 3.18% $29,086
DRAPER AND KRAMER MORTGAGE CORP. 5 2.73% $15,478
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 2.58% $18,689
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 3.68% $27,773
NFM, INC. 5 3.23% $16,163
MUFG Union Bank 5 2.70% $14,683
DIGNIFIED HOME LOANS, LLC 5 2.55% $9,427
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 5 3.53% $21,258
SOVEREIGN LENDING GROUP INCORPORATED 5 2.55% $13,591
LOANPAL, LLC 4 2.81% $13,904
PANORAMA MORTGAGE GROUP, LLC 4 3.42% $21,166
Bank of the West 4 3.53% $11,789
Amerifirst Financial, Inc. 4 2.78% $14,530
HOMESIDE FINANCIAL, LLC 4 3.00% $19,198
WESTERN EXPRESS LENDING 4 2.50% $10,846
DATA MORTGAGE, INC. 4 3.44% $14,361
CELEBRITY HOME LOANS, LLC 3 3.33% $15,913
First Bank 3 2.29% $14,563
PHH Mortgage Corporation 3 2.75% $11,339
HOMEAMERICAN MORTGAGE CORPORATION 3 3.21% $13,876
Century Mortgage Company DBA Century Lending Company 3 2.88% $15,386
NEXERA HOLDING LLC 3 2.96% $16,669
GENEVA FINANCIAL, LLC 3 2.88% $15,782
BEST CAPITAL FUNDING 3 2.96% $18,373
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.00% $17,611
THE GOLDEN 1 3 2.83% $20,339
Mortgage Research Center, LLC 3 2.83% $13,084
M&T Bank 2 3.13% $13,827
ALL WESTERN MORTGAGE, INC. 2 3.88% $18,439
CALCON MUTUAL MORTGAGE LLC 2 3.31% $13,998
CALCULATED RISK ANALYTICS LLC 2 2.88% $12,533
CANOPY MORTGAGE, LLC 2 2.56% $27,961
EMBRACE HOME LOANS, INC. 2 2.56% $13,595
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 3.50% $25,261
Franklin Loan Corporation 2 3.50% $16,095
GRANDE HOMES, INC. 2 2.63% $14,300
HOME APPROVALS DIRECT, INC. 2 2.44% $12,323
MEGA CAPITAL FUNDING, INC. 2 2.69% $21,339
MORIA DEVELOPMENT, INC. 2 3.13% $16,386
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 3.06% $27,824
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.13% $16,286
PARKSIDE LENDING, LLC 2 2.63% $12,449
PRIMUS LENDING CORP. 2 2.94% $19,526
SCENIC OAKS FUNDING, INC. 2 2.44% $15,134
TRAVIS CREDIT UNION 2 2.63% $9,318
UNITED SECURITY FINANCIAL CORP 2 2.50% $9,679
VISION ONE MORTGAGE, INC. 2 3.25% $7,415
Wells Fargo Bank 2 3.75% $9,088
JMAC LENDING, INC. 1 2.38% $21,167
INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $18,727
NATIONS RELIABLE LENDING, LLC 1 2.63% $12,747
Utah Mortgage Loan Corporation 1 2.88% $25,836
NBKC BANK 1 2.63% $19,397
NETWORK CAPITAL FUNDING CORPORATION 1 3.13% $27,269
INTERCAP LENDING INC. 1 2.63% $16,847
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 2.88% $18,048
Home Mortgage Alliance Corp 1 3.25% $24,192
NMSI, INC. 1 3.25% $15,020
NORWICH COMMERCIAL GROUP, INC. 1 2.75% $14,962
OCEANSIDE MORTGAGE COMPANY 1 2.75% $10,483
HOME FUNDING CORPORATION 1 4.00% $21,812
OPEN MORTGAGE, LLC 1 2.50% $11,511
HighTechLending Inc 1 2.63% $16,680
GoPrime Mortgage, Inc. 1 3.13% $13,445
AHL FUNDING 1 4.25% $19,222
Goldwater Bank, N.A. 1 2.88% $16,365
Peoples Bank 1 3.75% $10,954
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.75% $13,851
FBC MORTGAGE, LLC 1 2.75% $14,880
Evolve Bank & Trust 1 3.75% $10,947
EAGLE HOME MORTGAGE, LLC 1 3.50% $19,877
PNC Bank 1 3.13% $12,212
DIRECTORS MORTGAGE, INC. 1 3.75% $9,369
DEL SUR CORPORATION 1 2.63% $19,295
Prime Choice Funding Inc. 1 2.75% $6,137
DAS Acquisition Company, LLC 1 3.38% $15,835
Wyndham Capital Mortgage, Inc. 1 3.25% $5,616
COUNTRYPLACE MORTGAGE, LTD. 1 5.25% $23,570
COMMUNITY FIRST CREDIT UNION 1 2.88% $3,470
RANLIFE, INC. 1 2.75% $13,341
RELIANCE FIRST CAPITAL, LLC 1 2.63% $13,552
RESIDENTIAL BANCORP. 1 2.88% $16,141
Residential Mortgage Solutions, Inc. 1 2.25% $15,642
RMS & Associates 1 3.63% $12,548
Colten Mortgage, LLC 1 2.50% $18,076
COASTAL FUNDING SLC, INC. 1 2.25% $22,773
WALL FINANCIAL, INC. 1 2.38% $9,634
CLEARPATH LENDING 1 2.75% $7,186
CAMPOS FINANCIAL CORP. 1 3.25% $28,183
BETTER MORTGAGE CORPORATION 1 2.25% $10,912
BELEM SERVICING LLC 1 2.63% $30,831
STARBOARD FINANCIAL MANAGEMENT, LLC 1 2.38% $7,789
Barrington Bank & Trust Company, N.A. 1 2.25% $4,811
Bank of England 1 2.88% $17,449
Bank of America 1 3.38% $19,893
SWBC MORTGAGE CORPORATION 1 3.63% $13,853
AUGUSTA FINANCIAL, INC. 1 2.63% $20,563
AmRes Corporation 1 2.38% $11,231
TJC Mortgage, Inc. 1 3.25% $10,947
Ameris Bank 1 2.50% $5,688
TOWNE MORTGAGE COMPANY 1 4.25% $14,980
ZILLOW HOME LOANS, LLC 1 2.75% $10,703
TruHome Solutions, LLC 1 2.25% $19,011
Umpqua Bank 1 2.50% $36,706
A&D Mortgage LLC 1 2.50% $12,785
MICHIGAN MUTUAL, INC. 1 3.13% $25,553
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.75% $7,570
MANN FINANCIAL INC. 1 4.13% $19,329
AMERICAN FINANCING CORPORATION 1 3.00% $27,672
Magnolia Bank 1 3.50% $23,570
LOANLEADERS OF AMERICA, INC. 1 3.25% $15,971
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.00% $13,261
ACADEMY MORTGAGE CORPORATION 1 2.25% $17,888
LEADERONE FINANCIAL CORPORATION 1 3.13% $22,673
JMJ FINANCIAL GROUP 1 3.13% $18,007

The top San Francisco FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 397 FHA loans originated. Their average total fees are $12,148, which is $3,977 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee San Francisco FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($5,798), Mr. Cooper ( Nationstar Mortgage ) ($8,930), Lakeview Community Capital, LLC ($9,097), LAKEVIEW LOAN SERVICING, LLC ($9,643) and FREEDOM MORTGAGE CORPORATION ($10,254).

The lowest rate San Francisco FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (2.49%), DHI MORTGAGE COMPANY, LTD. (2.62%), FREEDOM MORTGAGE CORPORATION (2.63%), QUICKEN LOANS, LLC (2.63%) and AmeriHome Mortgage Company, LLC (2.66%).

San Francisco FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
SAN FRANCISCO-OAKLAND-BERKELEY, CA ALAMEDA 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
SAN FRANCISCO-OAKLAND-BERKELEY, CA CONTRA COSTA 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
SAN FRANCISCO-OAKLAND-BERKELEY, CA MARIN 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
SAN FRANCISCO-OAKLAND-BERKELEY, CA SAN FRANCISCO 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
SAN FRANCISCO-OAKLAND-BERKELEY, CA SAN MATEO 2022 $970,800 $1,243,050 $1,502,475 $1,867,275

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - San Francisco (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $843,722 (6.9%) $1,502,824 (14.4%) 3.13 2,294
2018-02-01 $898,500 (6.4%) $1,547,349 (12.0%) 3.26 2,716
2018-03-01 $949,000 (6.2%) $1,582,709 (10.9%) 3.33 3,122
2018-04-01 $986,856 (9.8%) $1,610,195 (8.1%) 3.35 3,620
2018-05-01 $996,500 (10.7%) $1,616,330 (8.3%) 3.33 4,074
2018-06-01 $988,000 (9.5%) $1,574,951 (5.9%) 3.29 4,494
2018-07-01 $927,500 (6.0%) $1,481,163 (3.8%) 3.09 4,809
2018-08-01 $889,000 (4.7%) $1,383,831 (-0.7%) 2.98 4,925
2018-09-01 $899,000 (2.8%) $1,401,721 (-4.4%) 3.02 5,961
2018-10-01 $899,000 (0.0%) $1,409,950 (-8.0%) 3.04 6,158
2018-11-01 $889,750 (-1.0%) $1,428,592 (-8.0%) 3.02 5,844
2018-12-01 $849,950 (-3.3%) $1,339,459 (-16.3%) 2.93 4,174
2019-01-01 $831,417 (-1.5%) $1,301,294 (-13.4%) 2.87 3,563
2019-02-01 $887,000 (-1.3%) $1,416,706 (-8.4%) 2.99 4,084
2019-03-01 $916,429 (-3.4%) $1,481,267 (-6.4%) 3.00 4,502
2019-04-01 $947,447 (-4.0%) $1,548,792 (-3.8%) 3.01 4,897
2019-05-01 $968,500 (-2.8%) $1,494,063 (-7.6%) 3.03 5,473
2019-06-01 $959,000 (-2.9%) $1,483,525 (-5.8%) 3.00 5,938
2019-07-01 $927,000 (-0.1%) $1,528,686 (3.2%) 2.90 5,843
2019-08-01 $913,364 (2.7%) $1,547,627 (11.8%) 2.89 5,915
2019-09-01 $933,409 (3.8%) $1,534,716 (9.5%) 2.99 6,028
2019-10-01 $949,500 (5.6%) $1,532,300 (8.7%) 3.06 6,088
2019-11-01 $949,000 (6.7%) $1,607,727 (12.5%) 3.11 4,972
2019-12-01 $899,000 (5.8%) $1,683,426 (25.7%) 3.00 3,003
2020-01-01 $893,500 (7.5%) $1,695,620 (30.3%) 2.99 2,576
2020-02-01 $995,000 (12.2%) $1,743,771 (23.1%) 3.25 3,101
2020-03-01 $998,900 (9.0%) $1,706,487 (15.2%) 3.13 3,539
2020-04-01 $954,500 (0.7%) $1,532,245 (-1.1%) 2.99 3,432
2020-05-01 $999,750 (3.2%) $1,608,833 (7.7%) 3.04 4,595
2020-06-01 $1,076,600 (12.3%) $1,659,310 (11.9%) 3.17 4,967
2020-07-01 $1,091,500 (17.8%) $1,677,197 (9.7%) 3.16 5,075
2020-08-01 $1,050,000 (15.0%) $1,671,450 (8.0%) 3.01 5,217
2020-09-01 $1,050,000 (12.5%) $1,674,338 (9.1%) 3.01 5,417
2020-10-01 $1,068,888 (12.6%) $1,671,080 (9.1%) 3.06 5,824
2020-11-01 $1,049,000 (10.5%) $1,660,695 (3.3%) 3.06 5,184
2020-12-01 $998,000 (11.0%) $1,706,716 (1.4%) 2.97 3,729
2021-01-01 $988,800 (10.7%) $1,743,886 (2.9%) 2.95 3,052
2021-02-01 $999,452 (0.5%) $1,769,296 (1.5%) 2.91 3,244
2021-03-01 $1,013,225 (1.4%) $1,855,249 (8.7%) 2.87 3,385
2021-04-01 $1,049,500 (10.0%) $1,862,267 (21.5%) 2.84 3,472
2021-05-01 $1,079,000 (7.9%) $1,868,297 (16.1%) 2.85 3,510
2021-06-01 $1,062,400 (-1.3%) $1,793,058 (8.1%) 2.80 3,914
2021-07-01 $999,000 (-8.5%) $1,683,483 (0.4%) 2.63 4,255
2021-08-01 $995,000 (-5.2%) $1,640,252 (-1.9%) 2.65 4,278
2021-09-01 $993,000 (-5.4%) $1,694,004 (1.2%) 2.65 4,619
2021-10-01 $995,400 (-6.9%) $1,755,411 (5.1%) 2.65 4,585
2021-11-01 $983,472 (-6.3%) $1,866,214 (12.4%) 2.63 3,564
2021-12-01 $946,238 (-5.2%) $1,841,100 (7.9%) 2.56 2,343
2022-01-01 $949,000 (-4.0%) $1,739,182 (-0.3%) 2.57 2,046
2022-02-01 $992,000 (-0.8%) $1,751,144 (-1.0%) 2.58 2,494
2022-03-01 $1,047,000 (3.3%) $1,729,752 (-6.8%) 2.62 3,020
2022-04-01 $1,098,000 (4.6%) $1,750,294 (-6.0%) 2.62 3,407
2022-05-01 $1,119,472 (3.8%) $1,729,522 (-7.4%) 2.56 4,628
2022-06-01 $1,144,444 (7.7%) $1,716,296 (-4.3%) 2.55 5,692
2022-07-01 $1,098,000 (9.9%) $1,625,616 (-3.4%) 2.48 6,258
2022-08-01 $1,037,500 (4.3%) $1,566,737 (-4.5%) 2.40 5,983
2022-09-01 $1,088,500 (9.6%) $1,645,706 (-2.9%) 2.55 5,936
2022-10-01 $1,089,000 (9.4%) $1,691,093 (-3.7%) 2.56 6,040
San Francisco's median listing price for 2022-10-01 was $1,089,000, a difference of $93,600 (9.4%) versus the prior year and $500 versus the prior month.

San Francisco's median listing price comes in at 256% of the national average.

San Francisco's average listing price for 2022-10-01 was $1,691,093, a difference of $-64,318 (-3.7%) versus the prior year and $45,387 versus the prior month.

For the 2022-10-01 period, San Francisco had 6,040 MLS listings, a difference of 104 listings (2%) versus the prior month and 1,455 listings (32%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - San Francisco (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 31 days 1,719 sqft
2018-02-01 19 days 1,742 sqft
2018-03-01 21 days 1,763 sqft
2018-04-01 23 days 1,798 sqft
2018-05-01 21 days 1,811 sqft
2018-06-01 24 days 1,784 sqft
2018-07-01 29 days 1,743 sqft
2018-08-01 30 days 1,714 sqft
2018-09-01 27 days 1,696 sqft
2018-10-01 31 days 1,695 sqft
2018-11-01 37 days 1,664 sqft
2018-12-01 50 days 1,620 sqft
2019-01-01 49 days 1,604 sqft
2019-02-01 26 days 1,642 sqft
2019-03-01 28 days 1,710 sqft
2019-04-01 26 days 1,777 sqft
2019-05-01 26 days 1,821 sqft
2019-06-01 32 days 1,796 sqft
2019-07-01 37 days 1,763 sqft
2019-08-01 36 days 1,745 sqft
2019-09-01 36 days 1,723 sqft
2019-10-01 37 days 1,705 sqft
2019-11-01 50 days 1,697 sqft
2019-12-01 68 days 1,708 sqft
2020-01-01 54 days 1,681 sqft
2020-02-01 23 days 1,720 sqft
2020-03-01 25 days 1,755 sqft
2020-04-01 39 days 1,757 sqft
2020-05-01 32 days 1,760 sqft
2020-06-01 32 days 1,710 sqft
2020-07-01 33 days 1,635 sqft
2020-08-01 36 days 1,588 sqft
2020-09-01 36 days 1,549 sqft
2020-10-01 35 days 1,540 sqft
2020-11-01 45 days 1,516 sqft
2020-12-01 57 days 1,488 sqft
2021-01-01 51 days 1,461 sqft
2021-02-01 28 days 1,481 sqft
2021-03-01 29 days 1,523 sqft
2021-04-01 30 days 1,549 sqft
2021-05-01 28 days 1,573 sqft
2021-06-01 28 days 1,555 sqft
2021-07-01 27 days 1,548 sqft
2021-08-01 29 days 1,546 sqft
2021-09-01 29 days 1,534 sqft
2021-10-01 30 days 1,515 sqft
2021-11-01 40 days 1,498 sqft
2021-12-01 48 days 1,452 sqft
2022-01-01 39 days 1,419 sqft
2022-02-01 20 days 1,453 sqft
2022-03-01 22 days 1,507 sqft
2022-04-01 23 days 1,539 sqft
2022-05-01 23 days 1,573 sqft
2022-06-01 25 days 1,600 sqft
2022-07-01 31 days 1,584 sqft
2022-08-01 36 days 1,571 sqft
2022-09-01 38 days 1,594 sqft
2022-10-01 38 days 1,608 sqft
San Francisco's median listing age (time on market) for 2022-10-01 was 38 days. This is 27% longer than the same period one year ago.

San Francisco's median square footage for active listings during the 2022-10-01 period was 1,608 sqft. One year prior, the average listing was 1,515 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).