Is San Francisco, CA affordable on a $1,425,000 salary?
YES
On $1,425,000/yr, the typical $1,149,215 home in San Francisco, CA needs $338,815/yr ($7,906/mo). Your gap: +$1,086,185 — housing would be 6.7% of your gross income.
The math
1,149,215 price − 10% down (114,922) = 1,034,293 loan
30-yr fixed at 6.47% on 1,034,293 = 6,517/mo principal+interest
+ 1,389/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
7,906/mo PITI ÷ 0.28 = 28,235/mo → 338,815/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear San Francisco, CA?
You need about $338,815/yr for the typical home. On $1,425,000 you already clear it by $1,086,185.