Compare Mortgage Rates in SoMa (South of Market)
San Francisco, CA
Urban tech hub with loft living, startups, and Oracle Park nearby.
Get Your SoMa (South of Market) RateSoMa (South of Market) Housing Market
Area Median Home Value
$1,424,767
Data As Of
August 2026
Location
San Francisco, CA
San Francisco-area median home value (neighborhood-level data unavailable), per the Zillow Home Value Index. Individual homes vary by size, condition, and exact location.
What Makes SoMa (South of Market) Special
Nearby Areas
Mortgage Options in SoMa (South of Market)
Conventional
Varies by program • Varies by lender
Jumbo
Often higher than conventional • Typically higher
ARM
Varies by program • Varies by lender
FHA
3.5% of the purchase price at a 580 score or higher • 580 or higher for the 3.5% down payment
DSCR
Set by each lender, and larger than on a primary-residence loan. • Set by each lender
Bank Statement
Set by each lender, and usually more than a conventional loan asks. • Set by each lender
HELOC
Not applicable • Set by each lender.
Other Neighborhoods in San Francisco
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Compare SoMa (South of Market) Rates