San Francisco Homes under $400,000

San Francisco Homes under $400,000

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Newest San Francisco Homes under $400,000

395 6th Street Unit 408B, San Francisco
$369,000
1 Beds ⋅ 1 Baths ⋅ 426167602 MLS
OCTOBER SPECIAL! Priced $9,468 below City guidelines. Below Market Rate ownership homes at RENOU, San Francisco's only new construction BMR opportunity. This bright, airy studio features an open-concept layout that maximizes space, a quiet location, air conditioning, and smart entry. An attended lobby brings a welcoming, elevated sense of care each day, while the rooftop terrace offers a place to unwind or entertain with unparalleled views of the city skyline. Parking is available for an additional cost and is not included in the listed home price, ask for details. Applicants must be first-time homebuyers and cannot exceed 100% of MOHCD's 2025 Area Median Income: 1 person: $109,100, 2 persons: $124,700, 3 persons: $140,250, 4 persons: $155,850. Homes are offered through the Mayor's Office of Housing and Community Development and are subject to monitoring and other program requirements. Visit the 395 6th Street listing on DAHLIA to apply and review program details.

395 6th Street Unit 408B, San Francisco
San Francisco
$220,000
426166749 MLS
Restaurant business opportunity on Irving Street, located along one of San Francisco's active neighborhood commercial corridors. Existing operating restaurant with established kitchen buildout, large commercial kitchen, dining area, and existing equipment. Suitable for an owner-operator or experienced restaurant group to continue the current use or explore a new food and beverage concept. Business sale only. Real estate not included. Please do not disturb employees or contact the business directly. Showings by appointment only.

San Francisco
1 Federal Street Unit 47, San Francisco
$222,167
1 Baths ⋅ 426164393 MLS
Incredibly unique spacious top floor studio! High ceilings, in unit W/D, gas fireplace, 1 car parking, large closets, and good natural make this a very special home. Building amenities include gym and 24 hour doorperson. Temporary waivers apply to this unit 20% over posted AMI which would be 100% AMI, Asset test waived, see Dahlia listing for complete waivers list. Below Market Rate (BMR) housing opportunity available at 80% Area Median Income (AMI). See waivers for higher qualifying AMI Maximum income for 1 person = $90,750; 2 = $103,750; 3 = $116,700; 4 = $129,700; 5 = $140,050 etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (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, 9-30-2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due on 10-21-2026 at 5:00 PM. Fair Housing Opportunity.

1 Federal Street Unit 47, San Francisco
200 Brannan St Unit #114, San Francisco
$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
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
631 Ofarrell Street Unit 616, San Francisco
$350,000
1 Baths ⋅ 426160107 MLS
Set within The Hamilton, one of San Francisco's most storied Art Deco towers, this corner residence pairs 1930s architectural pedigree with a fully considered update. Built in the 1930s as a grand hotel whose guest register is said to have included Frida Kahlo, the building has carried that glamour into the present day. Unit 616 occupies a rare corner position, with dual exposures that flood the studio with natural light throughout the day and open onto sweeping city views and Twin Peaks. Recent updates throughout the kitchen and bath give the residence a clean, move-in-ready finish. The Hamilton offers amenities uncommon for a building of its vintage: a soaring lobby anchored by a grand piano, a formal ballroom, a fitness center, and a rooftop deck with panoramic views over the San Francisco skyline a private outdoor gathering space in the heart of downtown. A 24-hour attended front desk rounds out the sense of security and service residents have come to expect. Just steps from Union Square, the Powell Street corridor, and the Financial District, the location places world-class shopping, dining, and transit at the doorstep, with quick access to BART, Muni, and the cable car line. Live inside a piece of San Francisco history, updated for the way life is lived today.

631 Ofarrell Street Unit 616, San Francisco
83 Mcallister Street Unit 410, San Francisco
$246,532
1 Baths ⋅ 426160349 MLS
"Below Market Rate (BMR) studio opportunity in the beautifully restored and historic Book Concern Building, ideally located in the heart of San Francisco. Originally built in 1908 and thoughtfully transformed in 2007, this landmark building blends timeless architectural character with modern urban living. The studio features a custom-built loft with built-in storage steps for added function, thoughtfully designed to maximize space and create a more comfortable and versatile living environment; an IKEA storage armoire is also included with the unit. Residents enjoy a shared rooftop deck with Wi-fi, downtown views, a community library and games room, fitness center, laundry room, and secure bike storage, with a monthly HOA fee of $535. Bonus: the scent of fresh croissants from Arsicault Bakery downstairs often drifts through the building. This is a fantastic opportunity to own an affordable home in a historic building surrounded by the best of city living. Studio Below Market Rate(BMR) housing opportunity available at 100% Area Median (AMI). Maximum Income for 1 person = $113,450; 2 people = $129,700; 3 people = $145,900, etc. Must be 1st time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring & other restrictions. Unit will be listed on DAHLIA, the SF Housing Portal (https://housing.sfgov.org). Start on the application date 9/10/2026. Visit https://housing.sfgov.org for application & program info. Fair Housing Opportunity. Application, loan pre-approval, and homebuyer education verification due on Oct 1st, 2026 at 5pm. Open House Dates/Time: 9/12 from 11am-1pm, 9/13 from 11am-1pm, 9/15 from 5pm - 7pm

83 Mcallister Street Unit 410, San Francisco
65 Ora Way Unit 101C, San Francisco
$399,000
1 Beds ⋅ 1 Baths ⋅ 426156795 MLS
1 bedroom Below Market Rate (BMR) housing opportunity available at 120% Area Median Income (AMI). Maximum income for 1 person = $136,150; 2 people = $155,650; 3 = $175,100; 4 = $194,500, etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (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, 9/2/2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due on 9/23/2026 at 5:00 PM. Open house dates: 9/6/2026 3-5 PM, 9/12/2026 3-5 PM, 9/17/2026 5-7 PM. Fair Housing Opportunity. Welcome to this exceptional 1 BR condo, perfectly positioned in a lush, green setting. The home offers an open atmosphere that enhances the sense of space and sophistication. Thoughtfully updated with kitchen and bathroom remodeling, gleaming hardwood floors and fresh interior paint, the unit effortlessly blends modern touches with timeless appeal. The open layout has a spacious living room as well as a separate dining area, and is ideal for both relaxing and entertaining. The bedroom is good-sized with two large closets. The remodeled bathroom has a separate vanity area for added convenience. Enjoy the convenience of a deeded parking space and access to a wealth of community amenities, including a heated swimming pool, rejuvenating hot tub, and well-equipped fitness center all nestled within a beautifully maintained complex. Located in the serene and highly desirable Diamond Heights neighborhood, this condo offers a unique combination of peaceful surroundings and urban accessibility. You'll be minutes from scenic parks, hiking trails, local shops and more.

65 Ora Way Unit 101C, San Francisco
140 South Van Ness Avenue Unit 437, San Francisco
$309,000
1 Baths ⋅ 426158807 MLS
Spacious studio with separate sleeping alcove in prime central location close to Hayes Valley, Mission District, shopping, restaurants, public transportation and freeway. Enjoy all the amenities this modern building offers 24/7 gym, courtyard with BBQ area, conference room, secure package area. TEMPORARY WAIVERS apply to this unit: must not exceed 120% of the area median income, can have asset test excluded, can complete the Homebuyer education after applying, can make a down payment more than 50% of the sales price. Below Market Rate (BMR) housing opportunity available at 100% Area Median Income (AMI). Maximum income for 1 person = $113,450; 2 = $129,700; 3 = $145,900; 4= $162,100; 5= $175,050, etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (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 9-2-2026. Visit https://housing.sfgov.org for application & program info. Application, loan pre-approval, and homebuyer education verification due on 9-23-2026 at 5:00 PM. Fair Housing Opportunity.

140 South Van Ness Avenue Unit 437, San Francisco
520 Natoma Street Unit 7, San Francisco
$285,000
1 Baths ⋅ 426158270 MLS
Tired of competing for San Francisco rentals? It might be time to own instead. Bright, charming, and exceptionally well laid out, Residence #7 at 520 Natoma makes smart use of every square foot. Set within a classic 12-unit Edwardian building, this studio lives larger than its footprint, with a separate eat-in kitchen and a well-defined living and sleeping area framed by a sun-filled bay window. Tall ceilings, crown molding, and abundant natural light give the main living space an airy feel, while the bay window creates the perfect spot for a reading nook, workspace, or morning coffee. The separate kitchen offers full-size stainless steel appliances, ample cabinetry, and room for dining, while the updated bathroom features a shower over tub. A generous closet provides additional storage. Residents also enjoy access to a shared community room with a pool/ping pong table and wet bar, shared patio, laundry, and bike storage. Ideally situated in the heart of SoMa with convenient access to downtown, Salesforce Park, restaurants, shopping, cultural destinations, public transportation, and freeways. An inviting first home, pied--terre, or San Francisco home base with a layout that truly makes the most of its space.

520 Natoma Street Unit 7, San Francisco
788 Minna Street Unit 203, San Francisco
$360,000
1 Beds ⋅ 1 Baths ⋅ 426157334 MLS
1-bedroom Below Market Rate (BMR) housing opportunity available at 90% Area Median Income (AMI). Maximum income for 1 person = $98,200; 2 = $112,250; 3 = $126,250, etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring & other restrictions. The unit will be available on a first come first served basis starting on 10/29/2025 at 8:00 AM PST. Please visit https://housing.sfgov.org/list- ings/a0W7y000009ZPnxEAG to view the listing and for application & program info. FAIR HOUSING OPPORTUNITY.

788 Minna Street Unit 203, San Francisco
201 Turk Street, San Francisco
$210,000
426157316 MLS
Prime corner caf, coffee, and restaurant opportunity in the heart of Downtown San Francisco. Located at 201 Turk Street, this highly visible corner location features extensive window frontage, abundant natural light, and exceptional street presence. Benefit from strong pedestrian traffic, nearby businesses, hotels, residential developments, and public transportation. Very low rent for the area creates an outstanding opportunity for an owner-operator or investor. Ideal for a caf, coffee shop, restaurant, bakery, grab-and-go concept, or other food and beverage use. Turnkey location with excellent exposure and significant growth potential in a dynamic downtown corridor. Rare chance to establish your business in one of San Francisco's most active and evolving neighborhoods.

201 Turk Street, San Francisco
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