San Francisco Homes under $1.25 million

Welcome to San Francisco, a vibrant city where iconic landmarks meet diverse neighborhoods, creating a unique blend of culture, innovation, and breathtaking views. Nestled in California’s picturesque Bay Area, this city is renowned for its rolling hills, historic architecture, and the stunning Golden Gate Bridge. With a rich tapestry of communities, San Francisco offers something for everyone, from the bustling streets of Chinatown to the artistic enclaves of the Mission District.

For those seeking a home in this dynamic city without breaking the bank, you’ll be pleased to discover that there are charming properties available for under $1.25 million. Whether you're a first-time homebuyer, a young professional, or looking to invest, San Francisco's real estate market provides opportunities that cater to various lifestyles and preferences.

Imagine living in a cozy Victorian flat in the heart of Haight-Ashbury, or perhaps a modern condo with panoramic views of the Bay in South Beach. Many homes in this price range feature updated amenities, character-filled designs, and proximity to public transportation, making it easy to enjoy all that the city has to offer.

Additionally, the neighborhoods of Sunset and Richmond present options that are not only affordable but also family-friendly, boasting parks, schools, and a strong sense of community. In San Francisco, the dream of homeownership is within reach, and the vibrant lifestyle that comes with it is waiting for you to explore. Discover your perfect home in this iconic city today!

Newest San Francisco Homes under $1.25 million

$1,099,900

4 Beds ⋅ 3 Baths ⋅ ML82063392 MLS

High ceilings and a bright, open layout make this home feel instantly spacious and welcoming. Highlighting the main living space are nearly 10-foot ceilings that fill the home with natural light. Set in a friendly, close-knit community, the home offers exceptional everyday conveniencelocated just a 3-minute drive to Jose Ortega Elementary School, 7 minutes to Stonestown Galleria and its upcoming redevelopment of walkable mixed-use village, and within easy reach of neighborhood dining and transit options.

135 Farallones Street, San Francisco

Listing courtesy of Justin Lee from Compass. 415-889-0942

208 N Lake Merced Hills Unit 4F, San Francisco

$949,000

3 Beds ⋅ 2 Baths ⋅ ML82062832 MLS

Rare Opportunity to own a Top Floor 3 BR/2Bath End Unit in Lake Merced Hills! Artfully and beautifully updated, this home pulls you in to a tranquil and secure living space. The vaulted ceilings create a wonderful feeling of openness and spaciousness. Corner end unit means there is only one shared wall. Enjoy the cozy woodburning fireplace in the living room on cool nights, as well as the private relaxing balcony. Primary suite also features a double vanity and walk-in closet. Convenient in unit laundry, secure garage parking space, and garage storage closet. HOA amenities include clubhouse, pool, spa, tennis and pickle ball courts, along with 24 hour security controlled access to the community. Outstanding South West SF location puts you within 5 minute freeway access, Westlake Shopping Center, and Stonestown Galleria. Discover Lake Merced with its 4.5 mile loop for running and cycling, picnic areas, outdoor fitness equipment, boathouse, launch, and fishing pier. Also nearby is TPC Harding Park, Fleming Golf Course, Ocean Beach, Pacific Highway, and Fort Funston.

208 N Lake Merced Hills Unit 4F, San Francisco

Listing courtesy of Shawn Belknap from North First Realty. 408-930-1181

$649,000

2 Beds ⋅ 2 Baths ⋅ ML82063266 MLS

Set in San Franciscos Hunters Point Shipyard neighborhood, this three-level townhome pairs clean architectural lines with inviting indoor and outdoor spaces. A private street-level entry sits beside the frosted-glass garage door, with parking and storage at ground level. On the main living level, dark wood floors and recessed lighting connect the open living and dining areas to a kitchen with white cabinetry, quartz countertops, a mosaic tile backsplash, stainless steel appliances, a gas range, and an island. Upstairs, the bedrooms and baths include a tub and a glass-enclosed shower with tile accents. A fenced rear yard with patio offers room to relax or entertain. Neighborhood parks and open space add to the setting, with access to Dogpatch, Chase Center, Third Street Muni service, and Highways 101 and 280.

San Francisco

Listing courtesy of Rick Barrelier from eXp Realty of California Inc. 650-573-5961

$1,195,000

2 Beds ⋅ 1 Baths ⋅ 41150011 MLS

Situated near the apex of Potrero Hill's coveted North Slope, this classic Edwardian enjoys sweeping views of the San Francisco skyline, from Downtown & the Bay Bridge to Sutro Tower, w/glimmers of the Golden Gate. Views are enjoyed from every room, two private decks & the backyard. Abundant natural light & period charm pair w/extensive modern updates. The main level offers a contemporary kitchen w/a generous island, ample counter space & storage, open living spaces & a sizable, versatile bedroom. A jewel box bath features a clawfoot tub, floor-to-ceiling tile, cheerful wallpaper & large windows framing tranquil garden views. Upstairs, the spacious second bedroom offers room for a workspace or seating area plus a secluded balcony. Sliding doors lead from the kitchen to a secret garden deck sized for dining in the coastal air, opening to a sunny, level yard w/space for pets, play & gardening. The relatively unfinished lower level mirrors the full footprint above, offering ample storage & a generous canvas for a future media room, studio, gym or guest quarters. Enjoy Potrero's famously sunny weather, easy street parking & simple access to 280/101, bus lines & Caltrain. Steps from McKinley Square & Playground, w/Whole Foods & neighborhood cafes nearby. This one has it all!

724 Kansas Street, San Francisco

Listing courtesy of David Higgins from Cush Real Estate. 510-390-6929

$948,000

1 Beds ⋅ 1 Baths ⋅ ML82063181 MLS

Welcome to this one-of-a-kind 1-bedroom, 1-bath residence at LUMINA, featuring a rare expansive private courtyard patioa peaceful outdoor retreat in the heart of San Francisco. This thoughtfully designed home offers a wonderful balance of comfort and tranquility, with a lush courtyard setting that extends the living space outdoors. The contemporary interior features a full-size European-style kitchen with premium appliances and finishes, central heating and air conditioning, and in-unit laundry. LUMINA offers an exceptional resort-style lifestyle with an indoor lap pool, state-of-the-art fitness center, climbing wall, spa, sauna and steam rooms, residents lounges, private dining and entertaining spaces, movie theater, and beautifully landscaped rooftop terraces. Ideally located in South Beach/Rincon Hill**, just moments from the Embarcadero waterfront, Salesforce Park, Ferry Building, Financial District, Oracle Park, restaurants, caf s, shopping, and convenient transportation. A rare opportunity to enjoy private indoor-outdoor living, world-class amenities, and metropolitan convenience in one of San Franciscos premier luxury communities.

333 Beale Street Unit 3A, San Francisco

Listing courtesy of Agnes Huang from Keller Williams Thrive. 650-686-0005

$788,888

2 Beds ⋅ 1 Baths ⋅ ML82062858 MLS

Welcome to this charming 2-bedroom, 1-bath home in Excelsior District. Offering approximately 800 sq ft of living space on a 1,250 sq ft lot, this home features a bright and inviting living room, a functional kitchen with granite countertops and ample storage, and spacious bedrooms. The property also offers a recreation room, plus two bonus rooms and a full bath, providing flexible space for a home office, guest area, hobby room, or additional living needs. Step outside to the backyard, offering space to relax, entertain, garden, or enjoy the outdoors. Conveniently located near neighborhood shops, restaurants, McLaren Park, Balboa Park Station, public transportation, and major commuter routes including I-280 and Highway 101. Enjoy easy access to Mission Street, San Jose Avenue, Ocean Avenue, BART and Muni, while being close to the many amenities San Francisco has to offer. A versatile property with plenty of space and a convenient location an opportunity not to be missed!

400 Munich Street, San Francisco

Listing courtesy of Nick Huynh from Kinetic Real Estate. 408-891-4532

649 Lyon Street Unit #649, San Francisco

$939,000

2 Beds ⋅ 1 Baths ⋅ ML82063041 MLS

Welcome to this stunning ground-floor home in NOPA (North of Panhandle)one of San Franciscos most vibrant and sought-after neighborhoods. Tucked along a quiet, slow-street corridor known for its community feel and neighborhood block gatherings, this condo perfectly pairs city living with charm and function that supports life on the go. The condo features high ceilings and sleek European oak hardwood flooring throughout. The generous main living area flows into an outfitted kitchen with crisp Quartz countertops and a large social island with seating. The primary bedroom boasts a deep walk-in style closet, while the versatile second bedroom makes an ideal home office, nursery, or guest room. The house is complete with a tile-accented full bath, central heating with smart controls, 1-car deeded parking in the garage and private storage space, and shared top-tier laundry amenities. Walkable to Divisaderos iconic dining scene, cafes, boutiques, and parksthis move-in ready retreat is San Francisco living at its finest.

649 Lyon Street Unit #649, San Francisco

Listing courtesy of David Wendt from Elite Real Estate Services. 408-910-5640

$985,000

2 Beds ⋅ 1 Baths ⋅ 41149655 MLS

Welcome to this bright and inviting San Francisco residence, offering a wonderful combination of charm, outdoor space, private parking, and exciting future potential. This 2-bedroom, 1-bath home features approximately 850 square feet of thoughtfully arranged living space on a generous 3,125-square-foot lot. Filled with natural light, the home offers a warm and welcoming atmosphere with comfortable spaces for everyday living and entertaining. A long private driveway provides coveted off-street parking and leads to a one-car garage—an especially desirable convenience in San Francisco. The expansive backyard is a standout feature, offering an exceptional canvas for outdoor entertaining, landscaped gardens, a private retreat, or an extension of the home’s indoor-outdoor lifestyle. The size and configuration of the lot may also offer an opportunity to explore the addition of an Accessory Dwelling Unit (ADU), potentially creating additional living space, guest accommodations, a home office, or rental income. Buyer to independently investigate and verify ADU feasibility, zoning, permitting requirements, allowable uses, and development potential with the City and County of San Francisco and other appropriate professionals. Conveniently located with access to neighborhood shopping, dining, parks, and everyday amenities. Nearby Muni service and access to Balboa Park BART provide transportation connections throughout San Francisco and the greater Bay Area. Whether you’re searching for a charming San Francisco residence, valuable outdoor space, or a property with potential to personalize and expand, 274 Thrift Street presents an exceptional opportunity to create something truly special.

274 Thrift St, San Francisco

Listing courtesy of Romeena Ghaziani from ROMEENA GHAZIANI, BROKER. 510-812-4966

$309,624

2 Beds ⋅ 2 Baths ⋅ 41149641 MLS

2-bedroom Below Market Rate (BMR) housing opportunity available at 80% Area Median Income (AMI). Maximum income: 2 people=$103,750; 3=$116,700; 4=$129,700; 5=$140,050. Must be A 1st-time homebuyer & income eligible. Unit available through MOHCD & subject to resale controls, monitoring & other restrictions. Unit will be listed on DAHLIA, the SF Housing Portal (https://housing.sfgov.org), starting on the application date, 9/28/2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre- approval & homebuyer education verification due 10/20/2026 at 5:00 PM. Open Houses: Fri 10/2, 5–7 PM; Sat 10/3, 1:30–4 PM; Sun 10/11, 1:30–4 PM. Fair Housing Opportunity.

200 Brannan St Unit #114, San Francisco

Listing courtesy of Shan Susan Gao from Compass. 510-213-0770

$988,000

3 Beds ⋅ 2 Baths ⋅ ML82062752 MLS

Gorgeous 3-bedroom, 1.5-bath home in Visitacion Valley with approximately 1,712 sq. ft.(Per sketch) of living space on a 2,631 sq. ft. lot. A private gated tunnel entrance leads to a welcoming open floor plan and a spacious living room with a wood-burning fireplace. Enjoy views of the bay and city lights, a kitchen with maple cabinets, and a fully remodeled bathroom with a separate shower and tub. Dual-pane windows are found throughout. The lower level offers a family room, 1 bedroom and half bath, a one-car garage with laundry hook-up ready, and extra storage space. Outside, a large patio and yard with fruit trees provide room to relax or entertain. Conveniently located near the Cow Palace, Muni, restaurants, shops, and a playground. A must-see!

37 Pueblo Street, San Francisco

Listing courtesy of Patrick Lam from CENTURY 21 Masters. 415-710-3704

$999,999

3 Beds ⋅ 3 Baths ⋅ ML82062746 MLS

Beautiful prime Crocker-Amazon-area home! This mid-century home blends classic style with modern convenience. This 3-bedroom, 3-bath residence (approximately 1,624 sq. ft.) is convenient to Muni, caf s, and parks. The 101 and 280 freeways, Mission Street shops and restaurants, Balboa BART Station, Whole Foods, McLaren Park, and Crocker Amazon Playground are all nearby. Buyers to verify all measurements, permits, and uses.

256 Hanover Street, San Francisco

Listing courtesy of Ernesto Martinez from KW Silicon City. 408-420-5268

$648,888

2 Beds ⋅ 2 Baths ⋅ ML82060397 MLS

Welcome to this beautifully refreshed 2-bedroom, 2-bath condominium offering approximately 1,200 square feet of comfortable living space within a private gated San Francisco community, directly across from Crocker Amazon Park. Recent improvements include fresh interior paint, new baseboards, updated medicine cabinets and bathroom lighting, new kitchen hardware, repaired cabinetry, a new garbage disposal, and a brand-new dishwasher. Enjoy the added privacy and security of a gated community along with a convenient San Francisco location near McLaren Park and its scenic hiking and walking trails. Easy access to major freeways, Muni, and BART makes commuting throughout the Bay Area convenient, with restaurants, shops, parks, and everyday essentials nearby. Whether youre a first-time buyer, downsizing, or searching for an opportunity to own in San Francisco at an approachable price point, this property offers an appealing combination of comfort, convenience, and accessibility.

361 Stoneridge, San Francisco

Listing courtesy of Nikki Keophimane-Treacy from eXp Realty of California Inc. 415-314-5622

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