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Metro Analytics/Markets/California/San Francisco, CA

San Francisco, CA

Rate Pressure · −1–2ptCensus ACSFREDBEALatest available source data
50
Cooling conditions
20
Stretched budgets
35
More available supply
48
Macro headwinds
−1–2%
Latest available inputs
Score computed from latest available Census ACS · FRED · BEA inputs
1Search2Review Score3Explanation4Compare5Forecast

Macro Environment

FREDLive
7.28%
Observed Oct 1, 2026
FRED MORTGAGE30US
4.2%
Observed Sep 1, 2026
FRED UNRATE
3.7%
Observed Aug 1, 2026
FRED CPIAUCSL
: $90,957 per capita · +4.8% YoY (2025)BEA SAINC1
Step 3 · Explanation
Why Is This Market Moving?

San Francisco, CA is showing cooling conditions based on live Census ACS and macroeconomic data. Median household income is $140,970 with a price-to-income ratio of 9.9x — elevated relative to the national median. ACS median home value—an owner-estimated value, not a live sale or listing price—stands at $1,394,500, vacancy rate at 12.2%, and 60.3% of residents hold a bachelor's degree or higher. On the macro side, the 30-year mortgage rate is 7.28%, national unemployment is 4.2%, and CPI inflation is running 3.7% YoY. State per-capita income grew 4.8% YoY per BEA data. The Market Score of 50 reflects rate pressure, with stretched affordability and loosening inventory.

Census ACSFREDBEAMetro Analytics Model

Market Drivers

The model’s main explanation for the current Market Score.
A current score-band signal, not a recent price-change chart.
A longer-term availability signal; higher vacancy points to more available supply.

Score history

Weekly composite Market Score snapshots — not a price chart

Loading score history…
Step 4 · Compare

Comparable Markets

Similar housing and demographic profiles — not individual sales

Swipe left or right to view all columns.

MarketSimilarityACS home valueMedian incomePrice / incomeVacancyMarket score
Seattle, WA78%$938,600$123,8607.6x7.7%50
Denver, CO58%$616,000$94,7186.5x6.7%55
Austin, TX54%$555,300$93,6585.9x5.6%58
Portland, OR54%$581,500$90,9196.4x5.9%53

Owner-estimated value from the U.S. Census ACS; not a live sale or listing price. Similarity also uses household income, affordability, vacancy, owner occupancy, and education metrics. Market scores use the existing ACS, FRED, BEA, and Metro Analytics model inputs.

Step 5 · Forecast

View the forecast

Checking forecast coverage…

Market Score narrative bands are not ML forecasts. Read the methodology.

ACS Demographics

Census ACS2024 5-year estimates
$1,394,500
$140,970
9.9x
12.2%
38.2%
60.3%
830,235

Score Breakdown

Provider-backed model
20
35
48
100
90
Primary drivers
  • Strong household income
  • Affordability remains a headwind
  • Deep skilled-workforce base
  • Inventory is beginning to loosen
Model inputs
ACS 5-year estimates (local conditions) · latest FRED weekly/monthly readings (national conditions) · latest BEA annual state income · Metro Analytics composite weights
Track this market

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