San Francisco home values (September 2026)
The typical home in the San Francisco, CA metro is worth $1,120,379, +3.1% over the last 12 months. Updated monthly from Zillow Research data.
- Typical value
- $1,120,379
- 1-year change
- +3.1%
- 5-year change
- +2.7%
- 10-year change
- +46.5%
Where San Francisco stands
- #2 most expensive of the 100 largest U.S. metros; #21 by 1-year price growth.
- 8.2% below its peak of $1,220,309 in June 2022.
Home equity in San Francisco
At an 85% combined loan-to-value cap, a typical $1,120,379 home supports up to $952,322 of total borrowing. With a typical mortgage still owed, about $324,910 of equity would be available as a line of credit. Run your own numbers in the HELOC calculator.
Compare nearby metros
- Los Angeles, CA — $950,020 (+1.3% 1-yr)
- Riverside, CA — $580,321 (+0.6% 1-yr)
- San Diego, CA — $926,961 (+0.8% 1-yr)
- Sacramento, CA — $572,813 (0% 1-yr)
- San Jose, CA — $1,523,615 (+0.2% 1-yr)
- Oxnard, CA — $869,803 (+1.1% 1-yr)
Frequently asked questions
What is the typical home value in San Francisco?
The typical home in the San Francisco, CA metro area is worth about $1,120,379 as of September 2026, according to the Zillow Home Value Index (mid-tier homes, seasonally adjusted). That ranks #2 of the 100 largest U.S. metros.
Are home prices in San Francisco going up or down?
Over the past 12 months the typical value changed +3.1% (#21 of 100 large metros by 1-year growth). Over 5 years it changed +2.7%, and over 10 years +46.5%. Values are 8.2% below the peak of $1,220,309 set in June 2022.
How much home equity could a San Francisco homeowner borrow against?
Lenders typically cap combined loan-to-value at about 85%. On a typical $1,120,379 home that's $952,322 of total borrowing; after a typical existing mortgage (about 56% of value) roughly $324,910 would remain as a line of credit. This is an illustration, not an offer — your figure depends on your own balance, credit and appraisal.
Data: Zillow Research, Zillow Home Value Index (all homes, mid tier, smoothed and seasonally adjusted), September 2026. Equity figures are illustrative. Download the full dataset.