Mortgage rates in San Francisco, CA
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a San Francisco median-price home ($1,335,000). National averages update on the rates research page.
30-year fixed
6.85%
15-year fixed
6.05%
FHA 30-year
6.55%
VA 30-year
6.40%
Reference rates updated April 2026. Your quote depends on credit profile, loan-to-value, loan size, and lender. Tax and insurance figures are state-average estimates. Not a loan offer.
Monthly payment on a San Francisco median-price home
30-year, 20% down
$8,111 /mo
- Sale price
- $1,335,000
- Loan amount
- $1,068,000
- Rate
- 6.85%
15-year, 20% down
$10,154 /mo
- Sale price
- $1,335,000
- Loan amount
- $1,068,000
- Rate
- 6.05%
FHA, 3.5% down
$9,888 /mo
- Sale price
- $1,335,000
- Loan amount
- $1,288,275
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, San Francisco County property tax (effective 0.65%), and California homeowners insurance estimate (0.35% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the San Francisco number
- San Francisco County property tax: ~0.65% effective rate. On the median price ($1,335,000) that escrows to about $723 per month.
- California insurance: ~0.35% of home value annually. About $389 per month.
- Loan-type spread: FHA quotes run ~0.30% below conventional, but you pay an upfront MIP plus 0.55% annual MIP for the life of the loan when you put less than 10% down.
- Local quirk: SF transfer tax tiers from $5 per $1,000 up to $60 per $1,000 above $25M.
Run the numbers for your scenario
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