Your buying brief

San Francisco · Daly City

Single-family

Prepared Oct 31, 2026, 8:15 AM UTC · Evidence observation dates are listed below.

Focus: Balanced overview

Your comparison in a minute

Start with the tradeoff.

Daly City’s median sale price is $639,745 (34.2%) lower than San Francisco’s.

Single-family · 2026-07-01 to 2026-09-30. Medians reflect different homes sold; this gap does not price the same home in each city.

San Francisco

$1,869,255

584 closed sales · 2026-07-01–2026-09-30

Daly City

$1,229,510

75 closed sales · 2026-07-01–2026-09-30

A useful market clue

Daly City reports 16 days of median marketing time, compared with 14 in San Francisco.

Same observation window. Marketing time can describe homes going under contract, a different group from closed sales. It does not establish a discount you can negotiate.

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These are editable examples shared across cities. Add the actual HOA and insurance quote for a particular home. Starting mortgage rate: 6.76% national 30-year benchmark, 2026-09-10; use your lender’s quote.

Down payment (%)Mortgage interest rate (%)Loan term (years)Annual property tax (% of purchase price)Home insurance per month ($)Annual maintenance (% of purchase price)HOA fees per month ($)Mortgage insurance per month ($)Buying costs (% of purchase price)

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Using 20% down · 6.76% mortgage · 1.2% tax · 1% upkeep · $250/mo insurance · $0/mo HOA · 2% buying fees. HOA starts at $0; check the property.

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Choose investigation questions

Choose up to threeDaly City · What does the actual commute look like at your travel times?Daly City · How do condition, size, and neighborhood explain the price difference?Daly City · Does the home work for you without assuming the citywide discount will close?Daly City · Which completed homes and occupied workplaces are relevant to the specific neighborhood, and what do their dated source records show?

Explore the full comparison, local research and history

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What stands out

This is a comparison of published city evidence and investigation questions, not a city ranking or a forecast. Lower citywide prices do not establish undervaluation or affordability.

Daly City’s median sale price is 34.2% lower than San Francisco’s, using San Francisco as the denominator. Window: 2026-07-01 to 2026-09-30.
Different homes sell in each city. This does not establish a like-for-like premium, affordability or a negotiating discount.
Evidence 1 Evidence 2
Daly City reports 16 days of median marketing time, compared with 14 in San Francisco. Window: 2026-07-01 to 2026-09-30.
Different homes sell in each city. This does not establish a like-for-like premium, affordability or a negotiating discount.
Evidence 1 Evidence 2

Modeled home-value and jobs/housing research has not yet been added for every chosen city. The market comparison remains available; inspect each city guide for transaction-price history.

At least one exact historical baseline is unavailable. Missing changes are not interpolated.

The evidence at a glance

Single-family transactions

Published observations for your selected home type. Null means unavailable; zero is a reported zero.
Measure	San Francisco2026-07-01 to 2026-09-30Rolling 3 monthsSource & definition	Daly City2026-07-01 to 2026-09-30Rolling 3 monthsSource & definition
Median sale price	$1,869,255	$1,229,510
Closed sales	584	75
Homes for sale at period end	292	36
Median marketing time (days)	14	16

Inventory is a period-end count, not adjusted for city size. Median marketing time may describe homes going under contract rather than the homes in the closed-sale count; each source definition is retained below.

All-homes history

Separate modeled index · No shared month · The selected home type does not change this index. All selected cities and San Mateo County must share the exact month.

Zillow Home Value Index. Changes are nominal and use exact same-month baselines.
Measure	San Francisco	Daly City
Modeled typical value	Unavailable	Unavailable
1-year change	Unavailable	Unavailable
10-year change	Unavailable	Unavailable

These are modeled typical values, not sold-home medians. Past growth does not establish future returns. Exact inputs, baseline dates and source locators ↓

Jobs and completed housing · different scopes and periods

Annual Q2 workplace jobs are not employed residents or households. Reported completed homes include replacement units and do not measure net additions. Do not divide these totals to infer a shortage.

San Francisco
Jobs: unavailable for the selected latest period.
Completed homes: unavailable for the selected latest period.
Daly City
Jobs: unavailable for the selected latest period.
Reported completions · all housing types: 98 · 2025-01-01 to 2025-12-31 Evidence 1

See the annual histories →

What to check in each city

San Francisco

Evidence

Closed sales: 584 homes. 2026-07-01 to 2026-09-30. Evidence 1

Unanswered

City totals cannot establish the price, condition, access or exposure of a particular home. Test these questions at the address.

Next actions

Diligence questions, not established neighborhood facts:

City guide →

Retained research excerpt

Two similar flats can involve different ownership and financing. Compare the documents, shared obligations and conversion evidence before relying on a lower asking price.

San Francisco condo vs TIC: what to check before comparing prices · Published 2026-10-29T16:12:52.851Z · Revision 2026-10-29T16:11:19.467Z

Current deep dive →

Current reading may have changed since this excerpt was saved.

Daly City

Evidence

Closed sales: 75 homes. 2026-07-01 to 2026-09-30. Evidence 1

Unanswered

City totals cannot establish the price, condition, access or exposure of a particular home. Test these questions at the address.

Next actions

Diligence questions, not established neighborhood facts:

What does the actual commute look like at your travel times?
How do condition, size, and neighborhood explain the price difference?

City guide →

Retained research excerpt

Daly City’s index remained near the same share of the county’s value over a decade. A useful thesis must explain why access or neighborhood improvements would change that relationship.

Daly City: the durable price gap behind the proximity thesis · Published 2026-09-15T03:07:16.975Z · Revision 2026-09-15T02:52:38.372Z

Current deep dive →

Current reading may have changed since this excerpt was saved.

Go deeper

Full comparison → · Explore market history and ownership costs →

Model Lab carries these cities into market history, rent-or-buy scenarios and jobs/housing comparisons. Its separate experimental price forecasts use the all-homes index, including when this brief is for condos/co-ops. Choose the relevant home type in the lab.

Dates, definitions and sources

Preview content ID: c8c463aa4de80d8dfdafccaa0241a7d1e3ef19b3e9caad1349f2eac293d5f019.

Read the evidence manifest and limitations

Housing release: baseline-2026-09-14 · Structural release: 2026-09-15-completionreview · Template: shortlist-template-v2.

San Francisco · Single-family

Redfin Data Center · 2026-07-01 to 2026-09-30 · Retrieved 2026-10-16 · Published date unavailable · Edition redfin-2026-09-san-francisco-single-family-20261016.

Redfin Data Center city boundaries; not seasonally adjusted; rolling three-month window. Median price and sales count use closed sales by closing date. Inventory counts homes for sale on the last day, excluding listings older than one year; it is not all listings active during the window. Median days on market uses homes going under contract during the window, from listing to contract, excluding listings older than one year. Property types remain separate. Price-reduction share is unavailable in this extract.

Daly City · Single-family

Redfin Data Center · 2026-07-01 to 2026-09-30 · Retrieved 2026-10-16 · Published date unavailable · Edition redfin-2026-09-daly-city-single-family-20261016.

Housing Element APR Table A2, San Mateo County jurisdictions

California HCD / reporting cities source · Retrieved 2026-09-15T14:47:32.411921Z · Published date unavailable · Methodology

CNTY_NAME=San Mateo; JURIS_NAME and YEAR; NO_OTHER_FORMS_OF_READINESS, CO_ISSUE_DT1 and CO income fields

Exact observations used

Daly City · housing_completions: 98 units; 2025-01-01 to 2025-12-31. Source · JURIS_NAME=DALY CITY; YEAR=2025; sum NO_OTHER_FORMS_OF_READINESS; coverage.json

History calculations

San Francisco · 1-year change: Unavailable to Unavailable; (end / exact-baseline - 1) * 100; Unavailable.
San Francisco · 10-year change: Unavailable to Unavailable; (end / exact-baseline - 1) * 100; Unavailable.
Daly City · 1-year change: Unavailable to Unavailable; (end / exact-baseline - 1) * 100; Unavailable.
Daly City · 10-year change: Unavailable to Unavailable; (end / exact-baseline - 1) * 100; Unavailable.

Limits of this brief

This is a comparison of published city evidence and investigation questions, not a city ranking or a forecast. Lower citywide prices do not establish undervaluation or affordability.
Transaction medians reflect homes sold in the stated window. All-homes history is a separate modeled index, smoothed and seasonally adjusted. Exact shared dates and baselines are required; null means unavailable and zero remains zero.
Small or missing sales counts are shown beside the values. The latest published evidence can be older than today's brief; age notices use the actual market period end.
Jobs are annual Q2 beginning-of-quarter workplace snapshots, not employed residents, unique workers or an annual average.
LODES 8.4 all jobs: one California release, 2020 blocks, 2024 place boundaries; 2012–2023.
Completions are self-reported certificates of occupancy or other readiness, all housing types; 2018–2025. They include replacement units and do not measure net additions or actual occupancy.
Eight date-conflict city-years are reconciled to original city current-year summaries. Original unfiltered HCD totals remain in reportedUnits; acceptedUnits supplies the chart. San Bruno 2020 and South San Francisco 2024 remain withheld. Audit records retain all positive row IDs and source decisions; no excluded units are reassigned to another year.
County jobs cover the entire county. No county completion total is provided; the HCD county jurisdiction covers only unincorporated territory.
Current revised data cannot establish what was known historically. No new predictive rule or forecast is implied.

San Francisco reading sources: Source 1 Source 2 Source 3 Source 4 Source 5

Daly City reading sources: Source 1 Source 2 Source 3 Source 4

Full methodology → · Inspect current preview data (JSON)