Buying Power Calculator
How Much Home Can You Afford in San Francisco?
Estimate your buying power, monthly payment, and discover San Francisco neighborhoods that fit your budget — in under two minutes.
Conservative, lender-grade estimates · Personalized neighborhood matches
Frequently Asked
San Francisco buyer questions
How much income do I need to buy a home in San Francisco?+
It depends on your down payment, debts, and credit profile. Many San Francisco condos start around $700K–$900K, typically requiring $150K+ in household income with a 20% down payment.
How much down payment do I need?+
Conventional loans typically require 5–20% down. Putting 20% down avoids PMI and strengthens your offer. FHA loans allow as little as 3.5% down, though SF prices often exceed FHA loan limits.
What credit score is needed to buy a home?+
Most conventional lenders prefer 620+, with the best rates reserved for 740+. A higher score can save tens of thousands over the life of your loan.
Can Christopher Lee help me find homes within my budget?+
Yes. Christopher specializes in matching buyers to neighborhoods, property types, and listings that fit their financial goals — including off-market opportunities throughout San Francisco.