San Francisco Real Estate in 2026: What We're Watching

Hello 2026! A Fresh Start for San Francisco

As we enter a new year and a new market for San Francisco real estate in 2026, we are feeling incredibly grateful for our community of friends and clients. San Francisco is resilient, and we are optimistic about what lies ahead for our city and opportunities in the local real estate market.

What We’re Watching for SF Real Estate in 2026

• The AI Boom: San Francisco has re-established itself as a global tech epicenter. This wave of innovation and wealth creation is driving demand, particularly in the luxury market. Read More: How AI is Shaping San Francisco Real Estate
• Stable Rates: Mortgage rates have settled, with Jumbo loans for SF buyers often hovering near 5%. In fact, the national average 30-year rate just fell to a three-year low in January. This stability is key for planning your next move.
• Gradual Recovery: We expect a steady, healthy market this year. More buyers and sellers are moving past the "golden handcuffs" of previous years and getting back to their life plans. Read More: Is It Time to Give Up Your Low Mortgage Rate and Upgrade Your San Francisco Home?

Why Wait for Spring?

If you are considering selling, the “fresh start” energy of the new year is a fantastic time to list. Smart pricing and presentation matter more than the season, and listing in winter allows you to stand out before the spring rush. Read More: Best Time to Sell a Home in SF? Try Winter, Not Spring

Enhancing Your Home Life

At Vivre Real Estate, our goal is to ensure you love where you live. If your current home no longer fits your needs, or if you’re dreaming of something new, let’s connect. We’d love to help you get where you want to go.

More to Explore: San Francisco Neighborhoods

Want to learn more about neighborhoods around SF? Here are a few we think you’ll love.

• Noe Valley - Sunny village with Victorian charm and a relaxed small-town feel
• Bernal Heights - Bohemian hilltop community with panoramic views and a tight-knit vibe
• Mission Dolores - Culturally rich urban hub blending Latin American heritage with art and nightlife
• SoMa - Revitalized industrial district with historic warehouses, tech innovation, museums, and urban energy
• More San Francisco neighborhoods

Other Blogs You Might Find Interesting

• San Francisco HOAs Explained
• How AI is Shaping San Francisco Real Estate
• Understanding San Francisco Real Property Transfer Tax
• Prop 19: Saving on Property Taxes When Moving in California
• From Victorian to Modern: 9 Architectural Eras of San Francisco
• San Francisco Home Buyer's Guide: How to Research Property Records Like a Pro
• Real Estate Agent Commission Rates in San Francisco: Everything You Wanted to Know But Were Afraid to Ask

Case Studies - San Francisco Real Estate Success Stories

• Case Study: Selling SoMa Condo in a Challenging Market with a Top SF Listing Agent
• Case Study: Selling a Fixer-Upper Home in San Francisco's Castro Neighborhood
• Case Study: Should You Sell Your San Francisco Home As-Is or Fix Up Before Listing?
• Case Study: Selling an Inherited Family Home in Bernal Heights
• Case Study: Tough Property, Tricky Market? Top Noe Valley Realtors Get Sellers Results
• Case Study: Selling Your San Francisco Home While Living Abroad
• View all our SF Real Estate Case Study blogs

Work With the Best SF Realtors

Looking for a trusted team to help you buy and/or sell a home in San Francisco? Reach out to us today. We'd love to help.