One-Bedroom Homes

 How to Save for a Two-Bedroom Home? With the Tax Benefits and Equity Gains From a One-Bedroom Home. 

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Call it the perfect starter home in San Francisco: a cozy one-bedroom abode to call your own. Many of our clients start their homeownership journey with a one-bedroom property for a variety of reasons, all of which start with a dollar sign and end with a debt-to-income ratio that calls within their lender’s guidelines.

It may be tempting to wait to buy until a two-bedroom home is an affordable option, but we’d like to introduce you to your two new best friends: Tax Benefits and Equity Gains. There are no guarantees in life except for death and taxes, as the saying goes, but investing in San Francisco real estate has, over the years, proven to be a solid way to grow your net worth. Yes, our market has had its up and downs, but — knock any available wood — so far all downs have been followed by solid ups.

Once you’ve made the decision to purchase a one-bedroom home, your next decisions will be about location, amenities, the maximum homeowners’ association dues you’re willing to pay, if you need a parking space, and some of the nice-to-have options like being on a high floor or having good light. You’ll notice I mentioned HOA dues — this is because it’s pretty much guaranteed that you’ll be buying a condo. It’s a rare single-family home in San Francisco that contains only one bedroom. So get ready for condo living.

We’ve heard from a few clients’ parents who refuse to believe a one-bedroom condo is a good investment. So we did the math. The good news is: it’s a good investment! San Francisco seems to have a never-ending supply of entry-level buyers who have outgrown living with roommates and/or paying the landlord’s mortgage. That one-bedroom condo that’ll be your home for the next few years, until you partner up, have a kid, or just want some more elbow room, will provide the same to the newbie following in your footsteps.


Now For Sale

$699,000 | 1, 1, 1
MLS# 423728535
City Living at The Artani. Centrally located near the Civic Center and a quick walk to Hayes Valley dining and shopping. This spacious 1 Bedroom | 1 Bathroom condo features high-end finishes throughout. Beech wide plank flooring and upgraded carpet...
New Open 03/25 12:00pm till 02:00pm
Tenancy In Common
$995,000 | 1, 1, 1
MLS# 423727336
Gorgeous, top floor 1 Bed / 1 Bath flat in stellar Lone Mountain location. Art Deco features inside and out. Corner property with great light and expansive southern exposure. Small roof deck adjacent to unit, and one car parking in...
Tenancy In Common
$698,000 | 1, 1, 0
MLS# 423728554
Stand alone, ground floor cottage, tenancy in common unit. Gorgeous and fully remodeled with all new systems including; kitchen, bathroom, electrical,plumbing, central heating, roof, insulation & sheetrock. Wired for CAT 5. Engineered hardwood flooring. Storage and laundry. Fractional financing available.
$685,000 | 1, 1, 1
MLS# 423728020
Amazing Bay Bridge Views from living room and patio. Light-filled Jr.1 bedroom, 1 bathroom condo at The Portside in sunny South Beach neighborhood. Freshly painted with brand new wide-oak hardwood floors. The large window has views of water and bridge...
Tenancy In Common
$705,000 | 1, 1, 0
MLS# 423728123
Gorgeous, fully remodeled Tenancy in Common. A fully renovated, vacant, light filled corner unit. New kitchen,bathroom, all new electrical,plumbing, central heating,roof, and fully insulated. Luxury vinyl flooring. New TIC. Fractional financing available.
New Open 03/26 02:00pm till 04:00pm
Tenancy In Common
$798,000 | 1, 1, 0
MLS# 423728135
Gorgeous, fully remodeled Tenancy in Common unit. A fully renovated,ready to move into, light filled, top floor unit. New kitchen, bathroom,all new; electrical, CAT 5 wiring, plumbing, central heating, roof, insulation. Calli Bamboo luxury vinyl flooring. In unit laundry. Storage....

Recently Sold One-Bedroom Homes

$800,000 | 1, 1, 1
MLS# 423723157
Welcome to your bridge-view dream home! Located in the perfect location overlooking the iconic Golden Gate Bridge and across from beautiful Golden Gate Park, this top-floor unit will surely please even the pickiest of buyers. This updated unit features a...
Tenancy In Common
$728,250 | 1, 1, 1
MLS# 423726412
Welcome home to this sweet, newly updated top-floor residence in the midst of all the action in Inner Richmond! Live large in this spacious flat that features a great layout, the living room flows to the dining area, and updated...
Tenancy In Common
$898,000 | 1, 1, 1
MLS# 423727039
Top Floor one-bedroom in prime Pacific Heights neighborhood. Natural light bathes this turnkey and recently remodeled flat. South facing with quiet bedroom in the back. Stainless steel appliances, open and modern kitchen, and hardwood floors. Modern bathroom with a skylight....
$1,055,000 | 1, 1, 1
MLS# 423721364
Beautifully-appointed condo in a boutique 6 unit building. 1172 Green is a sophisticated and inviting 1 bedroom/1 bathroom condo featuring natural light, exquisite finishes and hardwood floors throughout. Upon entering, you are welcomed into the gracious living room with gas...
Single Family Home
$805,000 | 1, 2, 0
MLS# 423720407
In 1978, a teacher got a piece of the pie and thrived for years in this charming home. She was a significant figure, not only as a much-loved neighbor, but also as a driving-force to help plan and build the...
$1,250,000 | 1, 1, 1
MLS# 423720337
One Bedroom PLUS Enclosed Den! This unique floor plan at The Madrone is highly coveted offering you an extra room that can serve as your home office, media room, or even a sweet guest space. There is also a bonus...

More Facts About One Beds

One -Bedrooms homes span an incredibly large price range.

How large?

The most expensive one-bedroom home to sell in San Francisco is a one-bedroom single-family home in Pacific Heights designed by Julia Morgan. The property last sold in 2015 for $3,700,000.


No need to spend that much on your own luxury one-bedroom home, though. The currently listed most expensive luxury one-bedroom homes for sale in San Francisco are:

5 or More Unit
$3,598,000 | 1, 0, 0
MLS# 423720058
135 8th Street is a located in the South of Market (SOMA) District of San Francisco. The building is comprised of 5 one-bedroom apartments, 1 two-bedroom apartment and a Restaurant on the ground floor, which has 5 years remaining on...
New Multi-Unit
5 or More Unit
$3,000,000 | 1, 1, 0
MLS# 423727110
1459 Jones Street is a 12-unit mixed-use (residential+retail) property located in the heart of the Nob Hill district of San Francisco. The property has a unit mix of four (4) one-bedroom units, four (4) studios, and four (4) ground-floor retail...

And The Least Expensive?

When viewing one-bedroom homes for sale, beware bargains that seem too good to be true. There are homes in San Francisco with deed restrictions because of the below market rate inclusionary housing program or because it is a Senior Development with a (legal) requirement that owners be over the age of 55.

One clue you’re looking at a listing for a BMR home in San Francisco? They often have “quirky” and precise to the dollar prices like $345,321 instead of the rounded to the nearest ten thousand approach of most Realtors. Best practice is to include that information in the listing description, but it doesn’t always happen. The best advice we can offer is read the marketing description thoroughly and review disclosures completely.

If you are thinking of a one-bedroom home as an investment, be sure to also verify that the building hasn’t reached a rental cap or have other restrictions that would impair your ability to rent the home.

The least expensive market rate one-bedroom home in San Francisco is currently:


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