Seller's Market
▲ Heating UpBernal Heights, San Francisco Market Update
Bernal Heights favors sellers, but smart buyers can still win. Here's the picture:
- Homes sit for about 16 days — enough time to tour, but don't wait too long
- Selling 9% above asking — budget above list price to compete
- Monthly payment: $6,864 (20% down) — well below the Bay Area average
- Bernal Heights pricing is near the San Francisco city-wide median ($1.38M vs. $1.50M)
More competitive than last year. Waiting will likely mean paying more.
Median Sale Price
$1.38M
▼ -9.2% YoY
30 sold this month
Down $140K from last year
Days on Market
16 days
▼ -8d YoY
Typically sells within a month
Sale-to-List Ratio
109.3%
▲ from 108.7%
Selling 9% above asking
Active Inventory
24
Very low — limited options for buyers
Sold Above List
53%
▼ -18pp YoY
More than half sell above asking
Price Drops
—
Sellers rarely reduce their price
Off Market in 2 Wks
53%
▲ 2pp YoY
Most go pending within 2 weeks
Monthly Payment
$6,864
— 6.37% · 30yr fixed
Principal & interest only on a 20% down $1.38M home. Add ~30–40% for property taxes, insurance, and HOA.
30-yr Fixed6.37%
15-yr Fixed5.74%
A 1% rate drop would save ~$703/mo on the median Bernal Heights home. Your actual rate depends on your credit, down payment, and loan type.Bernal Heights Trends
Median Sale Price
Down 9.2% year-over-year. The market is adjusting.
What You'd Actually Pay Per Month
Monthly cost has eased 16% year-over-year.
Melanie Tan
8 Blocks Real Estate · DRE #02014153
“I know Bernal Heightswell. Let me help you understand what the numbers mean for your specific situation.”
Let's talk about Bernal Heights
Market data: Redfin Data Center · Rates: FRED / Federal Reserve · Updated weekly · Data through Feb 2026
© 2026Melanie Tan, 8 Blocks Real Estate · DRE #02014153
© 2026Melanie Tan, 8 Blocks Real Estate · DRE #02014153