San Francisco Homes under $400,000

Welcome to San Francisco, the vibrant jewel of California known for its iconic Golden Gate Bridge, charming Victorian houses, and breathtaking views of the Pacific Ocean. Nestled within San Francisco County, this city is a cultural melting pot, offering a rich tapestry of history, art, and innovation. With its diverse neighborhoods, each with its own unique character, San Francisco is a place where you can truly feel at home.

For those seeking affordable housing options, you might be pleasantly surprised to learn that homes under $400,000 do exist in this bustling metropolis. While the market can be competitive, there are opportunities to find cozy condos or charming studio apartments that provide the perfect launchpad for your San Francisco adventure. Areas like the Excelsior and Bayview-Hunters Point offer more accessible pricing while still being close to public transportation and local amenities.

Imagine sipping coffee in a quaint café in the Mission District or exploring the lush greenery of Golden Gate Park, all while knowing that your dream of homeownership is within reach. Living in San Francisco means embracing a lifestyle filled with endless possibilities—whether it's indulging in world-class dining, attending vibrant festivals, or simply enjoying the stunning sunsets over the Bay.

With a little patience and the right guidance, you can find a home that not only fits your budget but also allows you to immerse yourself in the unique spirit of San Francisco. Let us help you navigate this dynamic real estate market and discover your perfect place in the City by the Bay!

Newest San Francisco Homes under $400,000

$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

766 Harrison St Unit #507, San Francisco

$365,000

1 Baths ⋅ 41147928 MLS

Small but mighty, 766 Harrison is the perfect first rung on the housing ladder or a convenient, easy pied-à-terre for those evenings when work, clients, or city events keep you in town. Should things change, it also makes a great investment opportunity. Don't miss the only non BMR property in the area a this price range. It has everything you need and nothing you don't. The unit is fully equipped with a full kitchen, including a dishwasher, and the intelligent layout easily accommodates separate working, dining, and living areas. For additional flexibility, you can add a Murphy bed with a drop-down desk.The balcony gives you a place to step outside when you need a shift in perspective or a look at the view. Laundry is located on each floor, ensuring convenient and adequate coverage for everyone—without the hassle of in-unit repairs or maintenance. Dedicated storage provides space for your essentials, while bike storage keeps your transportation safe.Upstairs, the roof deck features expansive city views, a barbecue area with a workspace and sink, and several outdoor and sheltered spaces for entertaining both large and intimate groups. During the day, the city skyline makes a great Zoom background.You might not be able to fit a Calder sculpture into your living area, but that's okay. You're just minutes from the SFMOMA, and they have plenty of space. You can see their collection, and everything else, whenever you want. Become a member—the parties are fabulous.The surrounding neighborhood offers endless entertainment. Go ice skating (yes, ice in San Francisco!) or take visiting kids to the carousel at Yerba Buena. Immerse yourself in a movie at the IMAX, or pick from the many hits and avant-garde plays running in the theater district. Enjoy a pre-theater dinner featuring any cuisine you can imagine, all right in your neighborhood. If you prefer sports, head the other direction to catch a Giants home game.Commuting is a breeze with Muni, BART, Caltrain, and the Mission and Market street buses all just minutes away. Staying in? Whole Foods is literally right next door.This home offers everything you need and nothing you don't—at a price that leaves you plenty left over to enjoy everything this wonderful location has to offer. Invest in yourself, not your landlord. Invest in your future: live here now, and rent it out when you're ready to move on. Invest in your - skip the commute a few days each week. Improve your quality of life, right here.

766 Harrison St Unit #507, San Francisco

Listing courtesy of Elisabeth Watson from Vanguard Properties. 510-207-5211

$338,689

1 Beds ⋅ 1 Baths ⋅ 41002421 MLS

Take a look! Lovely Below Market Rate (BMR) housing opportunity-Unit available as first come first served. Outstanding location at Stage 1075. This modern One Bedroom Condo with city street views & natural light boasts German cabinets, quartz countertops, gas stovetop & ~$15K of upgrades in custom window coverings & trendy wood floors, etc. Great amenities including amazing Rooftop City Views, multiple Lounge area seating with Firepits, BBQ area & Dog Run. Close to Hastings Law, restaurants, theatres, public transit & tech companies! Available at 120% Area Median Income (AMI). Maximum income for 1 person = $136,150; 2 people = $155,650; 3 = $175,100; etc. Must be income eligible. Please visit https://sf.gov/step-by-step/1075-market-street-unit-206 to view the listing and to APPLY! Fair housing opportunity. Updated Buyer qualification info is now available.

1075 Market St Unit #206, San Francisco

Listing courtesy of Marianne Bordogna from Keller Williams Realty. 925-202-5508

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