San Francisco Bay Area
10DistrictsData
District 1 - Northwest
Sea Cliff, Lake Street, Richmond (Inner, Central, Outer), Jordan Park/Laurel Heights, Lone Mountain
Jump to District 1 - Northwest
District
2 - West
Sunset & Parkside (Inner, Central, Outer), Golden Gate Heights
Jump to District 2 - West
District 3 - Southwest
Lake Shore, Lakeside, Merced Manor, Merced Heights, Ingleside, Ingleside Heights, Oceanview
Jump to District 3 - Southwest
District 4 - Central SW
St. Francis Wood, Forest Hill, West Portal, Forest Knolls, Diamond Heights, Midtown Terrace, Miraloma Park, Sunnyside, Balboa Terrace, Ingleside Terrace, Mt Davidson Manor, Sherwood Forest, Monterey Heights, Westwood Highlands
Jump to District 4 - Central SW
District
5 - Central
Noe Valley, Eureka Valley/Dolores Heights (Castro, Liberty Hill), Cole Valley, Glen Park, Corona Heights, Clarendon Heights, Ashbury Heights, Buena Vista Park, Haight Ashbury, Duboce Triangle, Twin Peaks, Mission Dolores, Parnassus Heights
Jump to District 5 - Central
District 6 - Central North
Hayes Valley, North of Panhandle (NOPA), Alamo Square, Western Addition, Anza Vista, Lower Pacific Heights
Jump to District 6 - Central North
District 7 - North
Pacific Heights, Presidio Heights, Cow Hollow, Marina
Jump to District 7 - North
District 8 - Northeast
Russian Hill, Nob Hill, Telegraph Hill, North Beach, Financial District, North Waterfront, Downtown, Van Ness/Civic Center, Tenderloin
Jump to District 8 - Northeast
District 9 - East
SoMa, South Beach, Mission Bay, Potrero Hill, Dogpatch, Bernal Heights, Inner Mission, Yerba Buena
Jump to District 9 - East
District 10 - Southeast
Bayview, Bayview Heights, Excelsior, Portola, Visitacion Valley, Silver Terrace, Mission Terrace, Crocker Amazon, Outer Mission
Jump to District 10 - Southeast
What’syourhome reallyworthin today’smarket?
That's the question you should be asking yourself.
Our market is incredibly diverse and rapidly changing. Values vary not just by neighborhood but by street. Your home isn't necessarily worth what your neighbors' home is. It's the current market that sets the value of your home.
So, do you know what your home is worth today's market?
Icanhelp...
Contact me for a confidential, no obligation assessment of your home's value.
TheTruthAboutDownPayments (It’sNotWhatYouThink)
Buying a home is exciting… until you start thinking about the down payment. That’s when the worry can set in.
“I’ll never save enough.”
“I need a small fortune just to get started.”
“I guess I’ll just rent forever.”
Sound familiar? You’re not alone. And you’re definitely not out of luck.
Here’s the thing: a lot of what you’ve heard about down payments just isn’t true. And once you know the facts, you might realize you’re a lot closer to owning a home than you think.
Let’s break it all down and bust some big down payment myths while we’re at it.
Smooth
Smart Strategies for a Mortgage Application
1 2
Always consult your mortgage professional before making large financial moves. Use verified funds for deposits to prevent closing delays. Avoid paying off debts or collections without professional advice. Don't have your credit report pulled too many times - this can hurt your credit score. 3
HomeRenovationsThatCanMakea BIG IMPACT AccordingtoExperts
In2024,thehomebuyingmarketfacessignificantchallenges highprices, steepinterestrates,andlimitedhousinginventory Formany,renovatingtheir currenthomeisamoreattractiveoptionthanpurchasinganewone.Whilethe LIRAreportpredictsadeclineinrenovationspending,expertsemphasizethat small-scaleupdatesortargetedlargerprojectscanstilldelivermajorbenefits.
Beforedivingintoarenovation,it’sessentialtoplan carefullyandbudgetwisely.Workingwithreputable professionalsiskey,especiallythoseoffering financingoptionsandtransferablewarranties.Sharing yourbudgetwithcontractorsupfrontandinvolving designersearlyensuresthatyourrenovationruns smoothlyandachievesbothfinancialandfunctional success Adetailedplanwillkeeptheprojectontrack andhelpavoidcostlysurprises
ProjectSpotlight:
ANENBERG-ESSERT FAMILYADUIN CAMPBELL
Enhancing Property Value and Family Living Space with an Acton ADU
The Anenberg-Essert family in Campbell collaborated with Acton ADU to create a versatile, comfortable, and valuable addition to their property. This ADU project is a shining example of how a well-designed accessory dwelling unit can increase property value and serve a family’s unique needs.
GoalsandVision
The family envisioned an ADU that would function as an independent living space for family members, enhance their property’s worth, and provide seamless integration with the main home They wanted a space that balanced privacy with connectivity, feeling like a natural extension of their residence
Design and Construction Details
Constructed at 747 square feet, this ADU was designed with modern, high-quality finishes to serve both aesthetic and practical needs. Key features include:
Vaulted Ceilings
Creates a spacious, open atmosphere
Senior-Friendly Living
Safe, independent space for elderly family members
Fully Equipped Kitchen
Modern amenities for everyday convenience
Open Living Area
Multipurpose area for relaxation and entertainment
Results and Impact
The completion of the Anenberg-Essert ADU led to several valuable outcomes:
Increased Property Value
The ADU addition significantly boosted property value
Flexible Living Space
A versatile space for family, guests, or as a rental
Modern Comforts
High-end finishes and amenities enhance both function and style.
Enhanced Family Living
The ADU enriches the AnenbergEssert family’s home with both privacy and connection
VENDOR DIRECTORY
When it comes to home ownership, knowing who you can trust is crucial. That's why we've curated a select list of trusted vendors who are ready to help with your home goals.
District1Northwest
Sea Cliff, Lake Street, Richmond (Inner, Central, Outer), Jordan Park/Laurel Heights, Lone Mountain
What's in the District 1Northwest data?
There were 14 single-family homes for sale, providing 0.9 months of inventory. There were 16 new listings, and 8 homes sold at a median price of $2.7m. The median overbid percentage was at 103 7%, with an average of 20 days on the market
There were 7 condo and townhome units for sale, providing 0.9 months of inventory. There were 5 new listings and 10 units sold at a median sale price of $1.1m. The median overbid percentage was at 98.8%, with an average of 56 days on the market.
He-Family
Homes
ings
8 Sold Listings
9 of Inventory
$2.7M Median Sale Price
3.7% Sale vs List
20 Avg Days on Market
sourced from InfoSparks, includes all single-family homes, condos and in the California Area above from July 2024 to July 2025. This may include data, and may vary from the time the data was gathered. All data is deemed not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
5
New Listings
10
Sold Listings
0.9
Months of Inventory
$1.1M
Median Sale Price 98.8%
Median Sale vs List
56 Avg Days on Market
District1Northwest
JULY 2024 - JULY 2025
Single-Family Homes
Last 12 months, year-over-year.
Condos & Townhomes
Last 12 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has decreased from $2 8m last July 2024, to $2 7m as of July 2025
Condos & Townhomes
The median sale price has decreased from $1 4m last July 2024, to $1 1m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went down from 25 days last July 2024, to 20 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 28 days in July 2024, to 56 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has decreased from 106 4% last July 2024, to 103 7% a year later
Condos & Townhomes
The overbid percentage has decreased from 102.9% last July 2024, to 98.8% a year later.
District2West
Sunset & Parkside (Inner, Central, Outer), Golden Gate Heights
What's in the District 2 - West data?
There were 22 single-family homes for sale, providing 0.6 months of inventory. There were 25 new listings, and 35 homes sold at a median price of $1.7m. The median overbid percentage was at 113.9%, with an average of 22 days on the market.
There were 6 condo and townhome units for sale, providing 1.8 months of inventory. There were 3 new listings and 3 units sold at a median sale price of $1.5m. The median overbid percentage was at 100%, with an average of 62 days on the market.
Single-Family Homes
25 New Listings
35 Sold Listings
0.6 Months of Inventory
$1.7M Median Sale Price
113.9%
Median Sale vs List
22 Avg Days on Market
The data, sourced from InfoSparks, includes all single-family homes, condos and townhomes in the California Area above from July 2024 to July 2025. This may include preliminary data, and may vary from the time the data was gathered. All data is deemed reliable but not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
Condo & Townhomes
3
New Listings
3 Sold Listings
1.8
Months of Inventory
$1.5M
Median Sale Price 100%
Median Sale vs List
62 Avg Days on Market
JULY 2024 - JULY 2025
TINGS FOR SALE SOLD LISTINGS
Family Homes
2 months, year-over-year.
s & Townhomes
2 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1 4m last July 2024, to $1 7m as of July 2025
Condos & Townhomes
The median sale price has increased from $1 3m last July 2024, to $1 5m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 14 days last July 2024, to 22 days as of July 2025
Condos & Townhomes
The average time spent on the market went down from 65 days in July 2024, to 62 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has decreased from 121 8% last July 2024, to 113 9% a year later
Condos & Townhomes
The overbid percentage has increased from 99.7% last July 2024, to 100% a year later.
District3Southwest
Lake Shore, Lakeside, Merced Manor, Merced Heights, Ingleside, Ingleside Heights, Oceanview
What's in the District 3Southwest data?
There were 12 single-family homes for sale, providing 1 month of inventory. There were 10 new listings, and 11 homes sold at a median price of $1.4m. The median overbid percentage was at 117 1%, with an average of 21 days on the market
There were 3 condo and townhome units for sale, providing 1.5 months of inventory. There were 2 new listings and 2 units sold at a median sale price of $1m. The median overbid percentage was at 107.3%, with an average of 44 days on the market.
Single-Family Homes
10 New Listings
11 Sold Listings
1 Month of Inventory
$1.4M
Median Sale Price
117.1%
Median Sale vs List
21 Avg Days on Market
The data, sourced from InfoSparks, includes all single-family homes, condos and townhomes in the California Area above from July 2024 to July 2025. This may include preliminary data, and may vary from the time the data was gathered. All data is deemed reliable but not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
Condo & Townhomes
2
New Listings
2 Sold Listings
1.5
Months of Inventory
$1M
Median Sale Price 107.3%
Median Sale vs List
44 Avg Days on Market
District3Southwest
JULY 2024 - JULY 2025
LISTINGS FOR SALE SOLD LISTINGS
Single-Family Homes
Last 12 months, year-over-year.
Condos & Townhomes
Last 12 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1 4m last July 2024, to $1 43m as of July 2025
Condos & Townhomes
The median sale price has increased from $1m last July 2024, to $1 02m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went down from 22 days last July 2024, to 21 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 40 days in July 2024, to 44 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has increased from 104 3% last July 2024, to 117 1% a year later
Condos & Townhomes
The overbid percentage has increased from 105.1% last July 2024, to 107.3% a year later.
District4CentralSW
St. Francis Wood, Forest Hill, West Portal, Forest Knolls, Diamond Heights, Midtown Terrace, Miraloma Park, Sunnyside, Balboa Terrace, Ingleside Terrace, Mt Davidson Manor, Sherwood Forest, Monterey Heights, Westwood Highlands
What's in the District 4 - Central SW data?
There were 23 single-family homes for sale, providing 0.9 months of inventory. There were 20 new listings, and 32 homes sold at a median price of $1.7m. The median overbid percentage was at 116.2%, with an average of 14 days on the market.
There were 11 condo and townhome units for sale, providing 2.8 months of inventory. There were 3 new listings and 4 units sold at a median sale price of $646k. The median overbid percentage was at 99.4%, with an average of 178 days on the market.
Single-Family Homes
20 ew Listings
32 Sold Listings
0.9 Months of Inventory
$1.7M Median Sale Price
116.2%
Median Sale vs List
14 Avg Days on Market
The data, sourced from InfoSparks, includes all single-family homes, condos and townhomes in the California Area above from July 2024 to July 2025. This may include preliminary data, and may vary from the time the data was gathered. All data is deemed reliable but not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
3
New Listings
4 Sold Listings
2.8
Months of Inventory
$646K
Median Sale Price 99.4%
Median Sale vs List 178 Avg Days on Market
District4CentralSW
JULY 2024 - JULY 2025
LISTINGS FOR SALE SOLD LISTINGS
Single-Family Homes
Last 12 months, year-over-year.
Condos & Townhomes
Last 12 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has decreased from $1 8m last July 2024, to $1 7m as of July 2025
Condos & Townhomes
The median sale price has decreased from $662k last July 2024, to $646k as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went down from 22 days last July 2024, to 14 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 64 days in July 2024, to 178 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has increased from 109% last July 2024, to 116 2% a year later
Condos & Townhomes
The overbid percentage has decreased from 105.8% last July 2024, to 99.4% a year later.
District5Central
Noe Valley, Eureka Valley/Dolores Heigh (Castro, Liberty Hill), Cole Valley, Glen Pa Corona Heights, Clarendon Heights, Ashbury Heights, Buena Vista Park, Haig Ashbury, Duboce Triangle, Twin Peaks, Mission Dolores, Parnassus Heights
What's in the District 5 - Cen data?
There were 30 single-family homes for sale, providing 1.2 months of inventory. There wer new listings, and 25 homes sold at a median of $2.4m. The median overbid percentage wa 103.6%, with an average of 32 days on the m
There were 45 condo and townhome units fo sale, providing 1.8 months of inventory. Ther were 19 new listings and 22 units sold at a m sale price of $1.4m. The median overbid percentage was at 100%, with an average of days on the market.
19
New Listings
22
Sold Listings
1.8
Months of Inventory
100%
Median Sale vs List
$1.4M
Median Sale Price
41
Avg Days on Market
District5-Central
JULY 2024 - JULY 2025
LISTINGS FOR SALE
Single-Family Homes
Last 12 months, year-over-year.
Condos & Townhomes
Last 12 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1 8m last July 2024, to $2 4m as of July 2025
Condos & Townhomes
The median sale price has decreased from $1 5m last July 2024, to $1 4m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 27 days last July 2024, to 32 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 30 days in July 2024, to 41 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has decreased from 104 5% last July 2024, to 103 6% a year later
Condos & Townhomes
The overbid percentage has decreased from 105.1% last July 2024, to 100% a year later.
District Central
Hayes Valley, North of Pan Alamo Square, Western Ad Vista, Lower Pacific Heigh
What's in the Distr North data?
There were 6 single-family ho providing 2 months of invent new listings, and 3 homes so of $1.7m. The median overbi 110 7%, with an average of 5
There were 30 condo and tow sale, providing 1.9 months of were 14 new listings and 20 sale price of $1m. The media was at 10010%, with an avera market.
homes, condos and 2025. This may include gathered. All data is deemed Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated. 7M
Price Market
14
New Listings
20 Sold Listings
1.9
Months of Inventory
$1M
Median Sale Price
100.1%
Median Sale vs List
51
Avg Days on Market
istrict6-Central orth
JULY 2024 - JULY 2025
TINGS FOR SALE SOLD LISTINGS
Family Homes
2 months, year-over-year.
s & Townhomes
2 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has decreased from $3 5m last July 2024, to $1 7m as of July 2025
Condos & Townhomes
The median sale price has decreased from $1 3m last July 2024, to $1m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 38 days last July 2024, to 51 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 39 days in July 2024, to 51 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has increased from 95 4% last July 2024, to 110 7% a year later
Condos & Townhomes
The overbid percentage has decreased from 105.2% last July 2024, to 100.1% a year later.
District North
Pacific Heights, Presidio H Hollow, Marina
What's in the Distr data?
There were 13 single-family h providing 1.4 months of inve new listings, and 8 homes so of $7m. The median overbid 100%, with an average of 45
There were 30 condo and tow sale, providing 1.3 months of were 11 new listings and 17 sale price of $2.1m. The med percentage was at 99.3%, wi days on the market.
homes, condos and 2025. This may include gathered. All data is deemed Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
Median SalesPrice
Single-Family Homes
The median sale price has increased from $4 1m last July 2024, to $7m as of July 2025
Condos & Townhomes
The median sale price has increased from $1 7m last July 2024, to $2 1m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 38 days last July 2024, to 45 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 32 days in July 2024, to 40 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has increased from 98 6% last July 2024, to 100% a year later
Condos & Townhomes
The overbid percentage has decreased from 100% last July 2024, to 99.3% a year later.
District8Northeast
Russian Hill, Nob Hill, Telegraph Hill, North Beach, Financial District, North Waterfront, Downtown, Van Ness/Civic Center, Tenderloin
What's in the District 8Northeast data?
There were 8 single-family homes for sale, providing 4 months of inventory. There were 2 new listings, and 4 homes sold at a median price of $2.9m. The median overbid percentage was at 95 3%, with an average of 54 days on the market
There were 120 condo and townhome units for sale, providing 4 months of inventory. There were 50 new listings and 23 units sold at a median sale price of $1.1m. The median overbid percentage was at 97.7%, with an average of 73 days on the market.
Single-Family Homes
2 New Listings
4 Sold Listings
4 Months of Inventory
$2.9M Median Sale Price
95.3%
Median Sale vs List
54 Avg Days on Market
The data, sourced from InfoSparks, includes all single-family homes, condos and townhomes in the California Area above from July 2024 to July 2025. This may include preliminary data, and may vary from the time the data was gathered. All data is deemed reliable but not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
Condo & Townhomes
50
New Listings
23 Sold Listings
4
Months of Inventory
$1.1M
Median Sale Price 97.7%
Median Sale vs List 73 Avg Days on Market
District8Northeast
JULY 2024 - JULY 2025
LISTINGS FOR SALE SOLD LISTINGS
Single-Family Homes
Last 12 months, year-over-year.
Condos & Townhomes
Last 12 months, year-over-year
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1 7m last July 2024, to $2 9m as of July 2025
Condos & Townhomes
The median sale price has increased from $970k last July 2024, to $1 1m as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 14 days last July 2024, to 54 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 66 days in July 2024, to 73 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has decreased from 100% last July 2024, to 95 3% a year later
Condos & Townhomes
The overbid percentage has decreased from 99.6% last July 2024, to 97.7% a year later.
District9East
SoMa, South Beach, Mission Bay, Potrero Hill, Dogpatch, Bernal Heights, Inner Mission, Yerba Buena
What's in the District 9 - East data?
There were 25 single-family homes for sale, providing 1.3 months of inventory. There were 15 new listings, and 14 homes sold at a median price of $1.8m. The median overbid percentage was at 115.3%, with an average of 32 days on the market.
There were 265 condo and townhome units for sale, providing 4.1 months of inventory. There were 93 new listings and 69 units sold at a median sale price of $960k. The median overbid percentage was at 98.7%, with an average of 68 days on the market.
Single-Family Homes
15 New Listings
14 Sold Listings
1.3 Months of Inventory
$1.8M Median Sale Price
115.3%
Median Sale vs List
32 Avg Days on Market
The data, sourced from InfoSparks, includes all single-family homes, condos and townhomes in the California Area above from July 2024 to July 2025. This may include preliminary data, and may vary from the time the data was gathered. All data is deemed reliable but not guaranteed. DRE# 01995149. Copyright KW Advisors San Francisco | Napa Valley 2025. Each office is independently owned and operated.
New Listings 4.1
Months of Inventory 98.7%
Median Sale vs List
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1 4m last July 2024, to $1 8m as of July 2025
Condos & Townhomes
The median sale price has decreased from $1m last July 2024, to $960k as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went up from 20 days last July 2024, to 32 days as of July 2025
Condos & Townhomes
The average time spent on the market went up from 61 days in July 2024, to 68 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has increased from 103% last July 2024, to 115 3% a year later
Condos & Townhomes
The overbid percentage has increased from 98.1% last July 2024, to 98.7% a year later.
District10Southeast
Bayview, Bayview Heights, Excelsior, Portola, Visitacion Valley, Silver Terrace, Mission Terrace, Crocker Amazon, Outer Mission
What's in the District 10Southeast data?
There were 75 single-family homes for sale, providing 1.9 months of inventory. There were 53 new listings, and 48 homes sold at a median price of $1.1m. The median overbid percentage was at 109 8%, with an average of 32 days on the market
There were 34 condo and townhome units for sale, providing 5.4 months of inventory. There were 8 new listings and 4 units sold at a median sale price of $597k. The median overbid percentage was at 100.9%, with an average of 58 days on the market.
New Listings
5.4
Months of Inventory
100.9%
Median Sale vs List
Median SalesPrice
Single-Family Homes
The median sale price has increased from $1m last July 2024, to $1 1m as of July 2025
Condos & Townhomes
The median sale price has increased from $544k last July 2024, to $597k as of July 2025
AVGDays OntheMarket
Single-Family Homes
The average time spent on the market went down from 33 days last July 2024, to 32 days as of July 2025
Condos & Townhomes
The average time spent on the market went down from 232 days in July 2024, to 58 days as of July 2025.
Overbids
Single-Family Homes
The overbid percentage has decreased from 111% last July 2024, to 109 8% a year later
Condos & Townhomes
The overbid percentage has increased from 100% last July 2024, to 100.9% a year later.
