Rent vs Buy in San Francisco, CA (2025)
Under 15 = buy, 15–20 = neutral, over 20 = rent
Median Rent
$3,500
/month
Median Home Price
$1200K
Price-to-Rent Ratio
28x
Breakeven Years
18 yrs
Mortgage Rate
6.65%
Property Tax Rate
1.1%
Rent
Renting in San Francisco is likely smarter
A price-to-rent ratio of 28x means buying requires 18+ years to break even. Renters who invest the difference often build more wealth.
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San Francisco, CA — Rent vs Buy Calculator
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