Mike NeedhamColdwell Banker Realty · San Francisco
Homes for sale in San Francisco

The 10 best homes for sale in San Francisco under $1,275,000.

A short list of homes for sale in San Francisco priced under the local median, chosen for value per square foot, size and time on market.

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Where are you in your San Francisco home search?

Your starting point decides the plan, not whether you get one.

The list

10 homes under $1,275,000 in San Francisco.

#HomePriceBeds / bathsSq ft
1Sent with the list$1,199,0008 bd · 4 ba3,834
2Sent with the list$998,0004 bd · 2.5 ba2,212
3Sent with the list$534,4574 bd · 2.5 ba1,520
4Sent with the list$999,0004 bd · 2 ba2,046
5Sent with the list$1,249,0008 bd · 4 ba2,700
6Sent with the list$1,180,0004 bd · 4 ba2,039
7Sent with the list$1,000,0008 bd · 4 ba3,050
8Sent with the list$1,088,0009 bd · 3 ba3,500
9Sent with the list$999,9804 bd · 1.5 ba1,784
10Sent with the list$999,0003 bd · 2 ba1,975
Send me the list →
Local market expertise

Every neighborhood buys differently. Find the one that fits before you tour.

Potrero HillThe 29-acre Potrero Power Station redevelopment below the hill is planned for about 2,601 homes plus retail.
Hayes Valley
Hayes Valley78 Haight Street, a seven-story, 63-unit affordable building, has topped out at Haight and Octavia.
Sunset
SunsetThe Great Highway park got its name in April 2025, so listings now sit beside a named city park.
What you get

What your search includes

  • A curated short list. Homes matched to your budget, preferred neighborhoods and must-haves, not every listing in the area.
  • New listings first. Sent the day they reach the market, before weekend showings fill up.
  • Price reduction alerts. Every reduction in your areas, so you know when a home comes into range.
  • Offer strategy. Guidance on what to offer and how to compete without overpaying.
Start my free search →
Right Now In San Francisco

What buyers in these neighborhoods are running into this week.

The Asking Price Means Little

Some homes are priced to draw a crowd and some are priced to sit. I will tell you which one you are looking at before you write anything.

Houses And Condos Act Differently

A single family house in Potrero Hill and a condo or TIC in SoMa do not follow the same rules. Your plan should match what you are actually buying.

You Keep Hearing No

Losing in multiple offers wears people down fast. Tell me how you lost the last one and we will write the next one differently.

Frequently asked

Before you get started.

Why not just use the search apps?

Search apps show what is listed. They do not tell you which homes are priced to sell, which will sit, or what similar homes nearby actually closed for. Mike does, and hears about new listings as they reach the market.

What exactly will I receive?

A short list of homes that match your budget, neighborhoods and must-haves, alerts for new listings and price reductions, and guidance when you are ready to make an offer.

Is there a cost or any obligation?

None. The list and the alerts are free, and requesting them does not commit you to anything.

Do I need to be pre-approved?

Not to get started. If you are not yet, Mike can introduce you to trusted local lenders, so you are ready when the right home appears.

Will my information be kept private?

Yes. Your answers go only to Mike and are used solely to prepare your search. They are never sold or shared with third parties.

How soon will I hear back?

Most buyers receive their first list within one business day.

Mike Needham
Who I Am

Mike Needham

I am Mike Needham, a Realtor® with Coldwell Banker Realty. I work with buyers across Potrero Hill, Sunnyside, Hayes Valley and Lower Haight, the Sunset and Parkside, Lone Mountain and Laurel Heights, SoMa and the neighborhoods around them.

In San Francisco the list price is often a marketing strategy, not a statement of value. I read comparable sales, buyer demand and how a home is positioned, then tell you what it is actually worth to you. I spent more than a decade in multifamily real estate accounting, so the numbers side of a purchase is where I am most useful.

Take the quiz and I will read your answers myself, pull the homes that fit, and text you. If nothing is worth your Saturday this week, I will say that too.

Find the home that fits.

Start my free search →