WhereCanIAfford › San Francisco, CA › On $100,000

Is San Francisco, CA affordable on a $100,000 salary?

NO On $100,000/yr, the typical $1,142,320 home in San Francisco, CA needs $343,179/yr ($8,008/mo). Your gap: $-243,179 — housing would be 96.1% of your gross income.

The math

1,142,320 price − 10% down (114,232) = 1,028,088 loan
30-yr fixed at 6.69% on 1,028,088 = 6,627/mo principal+interest
+ 1,380/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
8,008/mo PITI ÷ 0.28 = 28,598/mo → 343,179/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear San Francisco, CA?

You need about $343,179/yr for the typical home. That's $243,179 more than $100,000.

On $75,000? On $125,000? On $150,000?

See the full San Francisco, CA affordability breakdown → or every metro you can afford on $100,000 →