An SF Native’s Guide on 12 Things to Know Before Moving to San Francisco

San Francisco, nicknamed “The City by the Bay,” pulsates with a unique charm and dynamic culture unlike any other. Steep hills, iconic landmarks like the Golden Gate Bridge, and a vibrant mix of Victorian-era architecture and modern skyscrapers create a visually stunning backdrop to your daily life. Beyond the postcard image lies a diverse tapestry of neighborhoods, each with its own personality and cultural offerings, from Chinatown‘s bustling energy to North Beach‘s Italian heritage.

While recent headlines may paint a picture of a city in decline, it’s important to understand San Francisco from a local’s perspective. Yes, the city faces challenges like many large metropolitan areas, but its spirit of innovation and resilience remains strong. The entrepreneurial spirit is alive and well, fostering a thriving tech scene and a constant buzz of creativity. Residents actively engage in community initiatives, making San Francisco a city that truly cares about its future.

Before making any life-changing decisions, like buying a first home,  it’s crucial to go beyond the headlines and see the city for yourself. Talk to locals, explore different neighborhoods, and experience the energy that makes San Francisco such a special place. You might just discover your own reasons to join the vibrant tapestry of this iconic city.

Should I Move to San Francisco?

Now might be the exact best time for you to move to San Francisco. 

Houses and condos are available and price points are more varied than you might expect. San Francisco offers an unparalleled blend of natural beauty, cultural richness, and urban excitement. Nestled alongside the iconic Golden Gate Bridge, the city boasts stunning views, mild weather year-round, and easy access to outdoor adventures, from hiking in Muir Woods to kayaking on the bay. 

Beyond the scenery, San Francisco pulsates with vibrant energy. Foodies can indulge in a world-class culinary scene, art enthusiasts can explore renowned museums, and history buffs can delve into the city’s diverse cultural tapestry. Whether you crave innovation in Silicon Valley or artistic expression in North Beach, San Francisco has something to ignite every passion.

 

Our List of the Top 12 Things to Know Before Moving to San Francisco

1. Beware the Microclimates

San Francisco is truly a city of microclimates! One minute you could be basking in sunshine in the Mission District, and the next, you’re shrouded in Karl the Fog over in the Sunset.  Or, you sit down to dinner and it’s comfortably warm but by the time the entrees have arrived you’ve got goosebumps and are shivering with cold. Temperatures can change noticeably over short distances or times. The key to staying comfortable in this ever-changing weather is layering. 

 

Think: a light jacket, a cozy hoodie or sweater, and a scarf that you can easily accessorize with as the temperatures shift throughout the day. Pro tip: even in the summer, always keep a warm layer handy.  San Francisco summers are notoriously chilly, and once the fog rolls in, temperatures will stay in the upper fifty degree fahrenheit range. 

Don’t get caught unprepared – a beanie and gloves for those brisk evening strolls might just become your best friends!

2. It Costs A Lot To Live Here

San Francisco beckons with iconic sights and vibrant culture, but be prepared for a cost of living that reflects its desirability. Housing is the most significant expense, with average rents surpassing $3,200 – meaning finding a studio or one-bedroom apartment might feel like a luxury. Groceries and dining out also pack a punch, costing roughly 20% more than the national average. San Francisco boasts a public transportation system with light rail, cable cars and the iconic BART, making daily life possible without a car. Gas prices, for those old school gas cars, are usually another item of stickershock for outsiders  – expect to pay a premium at the pump. Electric & Water? Also likely to be much more expensive than where you’re coming from. Our water, however, is delicious. Save yourself some dollars and ditch the bottled for Hetch Hetchy’s finest. 

San Francisco’s cost of living is a whopping 79% higher than the national average,” says PayScale, a leading salary comparison website.

This translates to a need for a higher income to maintain a comfortable lifestyle in the city by the bay.

Living frugally in San Francisco requires creativity and resourcefulness. Some thoughts on how to manage expenses?

• Consider roommates.
• Look for studios or apartments with multiple occupants to split rent.
• Explore neighborhoods outside the core – Richmond District or Sunset District offer a more affordable vibe.
• Utilize platforms like Craigslist alongside traditional rental listings.
• Embrace home cooking.
• Farmer’s markets boast fresh, local produce at a reasonable price.
• Take advantage of grocery store loyalty programs and discount supermarkets like Aldi.
• Pack lunches to avoid daily restaurant expenses.
• Muni passes offer unlimited rides on buses, streetcars, and cable cars, making them a cost-effective option.
• Consider cycling – San Francisco’s mild weather and dedicated bike lanes make it a legit choice.
• Share with car-sharing services like Zipcar for occasional errands.

Remember, with a little planning, navigating San Francisco on a budget is achievable.

3. Housing Market? Nah, Housing Micro-markets.

San Francisco’s housing market continues to make headlines. And if you live here you’ll quickly discover you can’t buy a “San Francisco condo” but you can buy a two-bedroom flat in a full-service South Beach building. And the market for that particular home is different than the market for a single family home with a yard in West Portal. Property type, neighborhood, and price point generate a multitude of housing micro markets that don’t alwaysperform in sync.

• Market Trends: While prices remain high, a slight cool-down from the peak might be underway. The median sale price in January 2024 was $1.3 million, a 7.6% increase year-over-year, but a 6.9% decrease from December 2023 This could signal a seasonal adjustment or a potential shift.
• Inventory: Inventory remains a major challenge. Despite a slight uptick in single-family home listings, overall options are scarce, leading to competitive bidding situations.
• Opportunities: Look beyond traditional neighborhoods. Explore areas like the Richmond District or Sunset District, which offer a more affordable feel. Also, consider condos – the condo market presents opportunities for those priced out of the single-family market 

Yes, San Francisco’s charm comes with a competitive housing market. But fear not, strategic planning can help you find your perfect fit, whether you’re renting or buying.

Renting? Take the opportunity to explore diverse neighborhoods: The Mission District boasts a vibrant culture, while the Richmond District offers a more relaxed vibe. Venture beyond the core – you might discover hidden gems with better affordability. Consider long-term rentals: Negotiate longer leases for potentially lower rent and increased stability. Be prepared to act fast: Good deals disappear quickly. Have your application documents ready and be transparent with your move-in date.

If buying, be pre-approved for a mortgage: Knowing your budget empowers you to make competitive offers that you can afford. Work with a local realtor.  Their expertise can navigate the competitive landscape and help you find hidden gems. Look beyond the median price. Consider fixer-upper options with renovation potential or explore condos – the market might be stabilizing, offering entry points. And be patient. Finding the perfect spot might take time. Stay informed on market trends and be prepared to make multiple offers before landing your dream home.

Remember, renting allows for flexibility while buying offers long-term investment potential.  No matter your choice, thorough research, strategic planning, and a proactive approach will increase your chances of finding your ideal San Francisco haven.

4. A Kaleidoscope of Neighborhoods With Distinct Character

San Francisco, a city brimming with distinct flavors, offers a kaleidoscope of neighborhoods to explore. For culture vultures, North Beach beckons with its historic cafes, Beatnik legacy, and lingering Italian influence.  Across town, Chinatown, the oldest and largest in North America, pulsates with vibrant energy, dim sum restaurants, and ornate temples. Head west to find the iconic Golden Gate Park bordering the fog-kissed Richmond District, known for its delectable dim sum and scenic beauty.

Venture south to discover the Mission District, a haven for street art, murals, and a thriving taqueria scene. Nearby, the Castro, a historic center of LGBTQ+ activism, boasts a vibrant nightlife and rainbow crosswalks. Ascend the hills to reach Nob Hill, a district exuding elegance with its grand dame architecture and historic cable cars.

Craving Victorian charm and stunning views? Alamo Square in the Western Addition offers both, while neighboring Hayes Valley tempts with chic boutiques and trendy restaurants. For a taste of family life, head to the Inner Sunset, a peaceful haven known for its abundance of greenery and friendly atmosphere. No matter your vibe, San Francisco has a neighborhood waiting to be discovered, each offering a unique slice of the city’s character.

Finding your perfect San Francisco niche starts with introspection! Consider your lifestyle: are you a culture enthusiast craving museums and nightlife (SoMa, North Beach)? A nature lover seeking parks and beaches (Inner Sunset, Richmond District)? A young professional seeking trendy cafes and co-working spaces (Mission District, Hayes Valley)? Research each area’s vibe, amenities, and commute options. Don’t be afraid to explore beyond the tourist hotspots – hidden gems await! With a clear understanding of your needs and a touch of adventurous spirit, San Francisco’s diverse neighborhoods will reveal the perfect match for your unique lifestyle.

5. Public Transit Is Your Friend, With Planning

San Francisco’s public transportation system keeps the city moving, offering a network of options to explore its vibrant neighborhoods. Muni, the backbone of the system, consists of a vast bus network, light rail Metro trains, and the iconic cable cars and F-line streetcars. Affordable and extensive, Muni can whisk you almost anywhere within city limits, though some routes are known for delays.

For longer commutes outside the city, the Bay Area Rapid Transit (BART) offers a speedy option. This regional rail system connects San Francisco with the East Bay and beyond, with a handful of lines and underground stations. Download the app for real-time arrival information and navigate your way across the bay.

Beyond the conventional options, San Francisco embraces its historic charm. Take a scenic ride on the Powell-Mason cable car line or hop on the F-line streetcar for a vintage vibe. These historic trams aren’t just tourist attractions; they provide a charming way to explore specific neighborhoods.

For breathtaking views and a unique travel perspective, consider the ferry. Several routes connect San Francisco with Oakland, Sausalito, and other bayside destinations. Enjoy the salty breeze and stunning cityscapes as your ferry cuts through the water, transforming your commute into a mini-adventure.

San Francisco also embraces “alternative” options for shorter distances or connecting to public transit stops. Rentable bikes and scooters offer a flexible and eco-friendly way to explore the city at your own pace. By combining these options, you can create a seamless and affordable way to get around San Francisco. Remember to purchase a Clipper card for easy fare payment across all Muni, BART, and ferry services. With a little planning and exploration, navigating San Francisco’s public transit system becomes an enjoyable experience, allowing you to embrace the city’s diverse neighborhoods, iconic sights, and the beauty of the bay itself.

6. Tech Has Changed San Francisco

San Francisco has always been a city of innovation, but the rise of tech giants like Salesforce, Uber, and Yelp has undeniably reshaped its character. This tech boom has had a profound impact on the city’s economy, culture, and even its physical landscape.

Economically, tech has acted as a double-edged sword. On one hand, it has created a wealth of high-paying jobs, boosted tax revenue, and fueled a vibrant startup scene. Companies like Salesforce, now a household name in the CRM (Customer Relationship Management) industry, have established their headquarters in the city, attracting talent from around the world. This influx of skilled workers has further strengthened the tech ecosystem, leading to a constant churn of innovation.

However, the tech boom has also driven up the cost of living significantly. Housing prices have skyrocketed, pushing out long-time residents and small businesses. The city’s character has shifted, with trendy cafes and tech-oriented co-working spaces replacing mom-and-pop shops and fostering a less diverse economic landscape.

Culturally, tech has undeniably left its mark. The city pulsates with a “move fast and break things” mentality, valuing innovation and disruption. This has fostered a culture of risk-taking and entrepreneurship, attracting those who thrive in a dynamic environment. Yelp, the online review platform co-founded in San Francisco, exemplifies this spirit, empowering consumers and disrupting traditional review systems.

However, the tech monoculture has also led to concerns about homogenization. Local artists and independent businesses struggle to compete with tech giants for space and resources. The city’s once bohemian spirit faces a constant battle against the sleek and polished aesthetic of tech campuses.

Despite these challenges, San Francisco’s tech scene remains a powerful force. The city is at the forefront of technological advancements, constantly pushing boundaries and influencing the way we live and work. As San Francisco navigates the complexities of its tech-driven economy, it must strive to find a balance, fostering innovation while preserving the unique character that has always attracted dreamers and innovators alike.

7. Sustainability Focused

San Francisco wears its commitment to sustainability like a badge of honor. From pioneering green building standards to becoming the first major U.S. city to ban single-use plastic bags, the city consistently pushes the boundaries of eco-consciousness. Residents reap the rewards of these efforts in numerous ways. Widespread access to public transportation, including electric buses and the iconic cable cars, minimizes reliance on personal vehicles and cuts down on emissions. 

Additionally, an abundance of farmers markets and community gardens fosters a connection to local food sources and reduces the environmental impact of long-distance transportation. The city’s dedication to renewable energy ensures cleaner air and a healthier environment for all. Participating in these initiatives isn’t just good for the planet, it enhances residents’ quality of life. Whether it’s exploring vibrant public spaces or savoring fresh, locally produced food, San Francisco’s commitment to sustainability translates to a more vibrant and healthy city for everyone.

8. Savor All The Great Food 

San Francisco’s food scene is a vibrant tapestry woven from the threads of global influences and culinary innovation. Here, tradition gets a playful twist, and fresh, local ingredients reign supreme. From the iconic Mission District burritos to the decadent chicken and waffles, and the bounty of fresh seafood delivered straight from the bay, a culinary adventure awaits around every corner.

The Mission District, a haven for Latino culture, is synonymous with the legendary Mission-style burrito. This oversized masterpiece, overflowing with rice, beans, meat (or vegetarian fillings), salsa, cheese, and other toppings, is a must-try for any visitor. But the Mission offers more than just burritos. Taquerias line the streets, each boasting their own unique take on tacos, quesadillas, and other Mexican staples.

Venture beyond the Mission and discover a world of culinary delights. Hayes Valley tempts with Michelin-starred establishments and trendy cafes offering globally-inspired brunch creations, like the aforementioned chicken and waffles – a sweet and savory combination that has become a San Francisco favorite.

For seafood lovers, a visit to Fisherman’s Wharf is a must. Here, bustling stalls overflow with Dungeness crab, plump oysters, and the freshest catch of the day. But don’t be fooled by the touristy location; hidden gems abound.  Head to Chinatown for steaming bowls of wonton soup and delicate dim sum.  Explore North Beach for a taste of Italy in hearty pasta dishes and fresh focaccia.

San Francisco’s innovative spirit extends beyond technology. Chefs here are constantly pushing boundaries, blending culinary traditions and experimenting with local ingredients. Vegetarian and vegan options abound, catering to a growing health-conscious population. Food trucks roam the streets, offering everything from gourmet burgers to Korean BBQ tacos, and trendy restaurants showcase the latest culinary trends.

 

9. A Thriving Arts and Cultural Scene

San Francisco hosts a vibrant arts and culture scene, offering a rich tapestry of experiences for every artistic inclination. From world-renowned orchestras and opera houses to cutting-edge dance companies and thriving LGBTQ+ chorus, the city loves both established excellence and groundbreaking innovators.

Music lovers can revel in the sounds of the San Francisco Symphony, one of the oldest and most respected orchestras in the United States. Under the baton of renowned conductors, the Symphony performs a diverse repertoire, ranging from classical masterpieces to contemporary works. Across the street, the San Francisco Opera, housed in the opulent War Memorial Opera House, stages breathtaking productions of operas, ballets, and recitals. Here, internationally acclaimed singers and dancers grace the stage, captivating audiences with their artistry.

For those seeking a more dynamic experience, the San Francisco Ballet dazzles with its innovative and technically brilliant performances. Considered one of the foremost ballet companies in the world, the Ballet pushes boundaries with its repertoire. From breathtaking classical pieces to thought-provoking contemporary works, the Ballet offers a truly unique perspective on the art form.

The city also boasts a vibrant choral scene, exemplified by the San Francisco Gay Men’s Chorus (SFGMC). Founded during the height of the LGBTQ+ rights movement, the SFGMC has become a global icon of inclusivity and artistic excellence. Their powerful voices not only deliver beautiful music, but also champion social justice and equality.

Beyond these prominent institutions, San Francisco’s artistic spirit spills into every corner. Street performers add a touch of whimsy to daily life, while art galleries showcase the works of local and international talent. Theaters host everything from Broadway productions to experimental performances, ensuring there’s always something new and exciting to discover.

10. Be Prepared To Vigorously Enjoy The Great Outdoors

San Francisco isn’t all towering skyscrapers and bustling streets. Tucked within the city limits lies a surprising abundance of green spaces and a vibrant outdoor scene waiting to be explored. From the sprawling majesty of Golden Gate Park to the hidden charm of pocket gardens, and the refreshing embrace of ocean breezes at its iconic beaches, San Francisco offers a plethora of ways to connect with nature and enjoy outdoor recreation.

Golden Gate Park, a jewel in the city’s crown, is a 1,017-acre wonderland. Spend a day wandering through its diverse offerings: the Japanese Tea Garden, a serene oasis with koi ponds and cascading waterfalls; the California Academy of Sciences, a world-class science museum; or Stow Lake, where you can rent paddleboats to explore the calm waters.

Beyond Golden Gate Park, hidden gems abound.  Alta Plaza Park offers stunning panoramic views of the city and a chance to rub elbows with friendly dogs in the off-leash area. Dolores Park, a vibrant green space pulsating with life, is a popular spot for picnics, frisbee games, and soaking up the sun with breathtaking views. For a taste of history, visit Moraga Stairs, a 16th Avenue landmark with 412 steps, rewarding climbers with spectacular vistas.

San Francisco’s embrace of the outdoors extends to its coastline. Crissy Field, a former airfield transformed into a waterfront park, offers stunning views of the Golden Gate Bridge and is a haven for kite flyers, joggers, and cyclists.  For a dose of beach life, head to Ocean Beach, a popular spot for surfers, sunbathers, and those seeking a refreshing dip in the Pacific Ocean.

The city caters to a variety of outdoor enthusiasts. Rent a bike and explore the scenic trails along the waterfront, or join a group hike through the trails of Mount Sutro Forest. Kayaking adventures on calm waters or stand-up paddleboarding along the bay offer a unique perspective of the city. Golden Gate Park even boasts a disc golf course, testing your skills amidst the natural beauty.

San Francisco’s commitment to outdoor recreation goes beyond leisure activities. Community gardens flourish throughout the city, fostering a connection to local food sources and a sense of community. Yoga classes are held in parks, and free fitness events encourage residents to embrace an active lifestyle.

11. Fierce Fan Loyalty. Pick a Team.

Some people are known to have moved to San Francisco purely for our major league sports teams.

San Francisco’s major league sports culture pulsates with a unique blend of passion, competition, and innovation. Fans here are deeply invested in their teams, the Giants, Warriors, 49ers, and Sharks, often sporting team colors with fierce pride. This fervor translates into electrifying atmospheres at every game, whether it’s the iconic orange towels swirling at Oracle Park during a Giants playoff run or the deafening “Let’s Go Sharks!” chant echoing through SAP Center.

But SF’s sports scene goes beyond blind devotion. The Bay Area fosters a deep appreciation for strategic play and athletic excellence. Fans here understand the intricacies of the game and celebrate calculated plays alongside dazzling displays of skill. This knowledgeable audience pushes teams to strive for greatness, creating a culture of competitive excellence.

The best way to experience this vibrant atmosphere is to snag a ticket and head straight to the stadium. Oracle Park, with its breathtaking views of the Bay and iconic fog horn, offers a truly unique baseball experience. Chase Center, a marvel of modern architecture, pulsates with energy during Warriors games.  For a more intimate experience, the Oakland Coliseum offers a taste of the A’s historic legacy, while Levi’s Stadium, with its cutting-edge technology, elevates the 49ers experience.

However, the Bay Area’s sports culture extends beyond the stadiums. Bars and restaurants transform into lively viewing hubs, where fans from all walks of life come together to dissect plays and cheer on their teams. Local media outlets provide in-depth analysis and passionate commentary, fostering a continuous conversation about the games.

Ultimately, what makes San Francisco’s sports culture so special is the way it weaves together passionate fandom, strategic appreciation, and a constant buzz of excitement. It’s a place where every game feels like an event, and the energy of the crowd becomes an integral part of the experience. So, grab your jersey, join the knowledgeable throngs, and immerse yourself in the electric world of Bay Area sports.

12. Get Smart, Stay Smart

San Francisco’s educational offerings cater to students from kindergarten all the way to doctoral pursuits. The public school system, managed by the San Francisco Unified School District (SFUSD), is the largest in the city. While academic achievement can vary across schools, with some excelling in graduation rates and curriculum, others grapple with resource allocation and student performance. The district is actively working to bridge this gap, offering programs like language immersion and specialized academies to cater to diverse learning styles.

Charter schools, public institutions with more control over curriculum and operations, also have a significant presence in San Francisco. These schools provide alternative educational approaches, attracting families seeking a specific focus or environment. However, their existence can add complexity to resource distribution within the public system.

For families seeking a private education, San Francisco offers a rich tapestry of options. Religious institutions, progressive schools, and independent schools all contribute to the city’s vibrant educational landscape. These schools often boast smaller class sizes, dedicated resources, and strong extracurricular programs, and come at a premium cost.

The city thrives as a haven for prestigious universities. The University of California, San Francisco (UCSF) is a global leader in medical research and education. Across the bay lies UC Berkeley, a public research university offering a vast array of programs. Additionally, private institutions like the University of San Francisco and Golden Gate University cater to diverse student needs and career aspirations.

San Francisco’s education scene faces challenges as well. The high cost of living poses a significant hurdle for families considering public schools, and SFUSD constantly seeks ways to improve resources and address equity concerns. However, the city is also a hub for educational innovation. Many schools are incorporating technology and project-based learning to create engaging environments that foster a love of learning.

Navigating San Francisco’s education landscape can be daunting, but with careful consideration, parents can find the perfect fit for their child.  Researching schools, attending open houses, and talking to current families are all crucial steps in this process. By carefully considering their child’s individual needs, learning style, and desired school environment, parents can ensure their child thrives in San Francisco’s diverse educational ecosystem.

Moving to San Francisco? Partner with a Local SF Real Estate Agency

Jackson Fuller Real Estate is an invaluable resource for those looking to buy or sell homes in San Francisco. Our team offers expertise and personalized service, assisting clients in finding the right property or navigating the complex process of selling real estate in San Francisco. Reach out for guidance and support in your San Francisco real estate journey. Speak to an agent now or whenever you are ready! 

FAQs

1. What are the first steps to take when planning a move to San Francisco?

San Francisco is an exciting city with a lot to offer, but it’s important to be prepared before you make the move. Here are the first steps to take when planning your move to San Francisco:

• Do your research on the cost of living. San Francisco is notoriously expensive, so be sure you understand what your monthly housing costs, transportation costs, and other expenses might be. You can find cost-of-living calculators online that can help you get a sense of what you’ll need to budget for.
• Explore neighborhoods.  While San Francisco is relatively small, its neighborhoods offer vastly different feels. Do some research online and consider visiting the city if possible to get a feel for the different areas.  Here’s where a realtor who knows San Francisco at a neighborhood level can be a huge asset.  They can help you understand the pros and cons of different neighborhoods based on your needs, lifestyle preferences, and budget.  They can also help you navigate the competitive rental market or search for properties if you’re looking to buy.
• Start saving for moving costs. Moving can be expensive, so be sure to factor in the cost of movers, transportation, and temporary housing (if needed) when creating your budget.
• Create a moving checklist. This will help you stay organized and on track throughout the moving process. There are many moving checklists available online, or you can create your own. By taking these first steps, you’ll be well on your way to a smooth and successful move to San Francisco.

   2. What should I know about San Francisco’s different neighborhoods before moving?

San Francisco’s diverse neighborhoods offer distinct vibes.  Foodie haven? Consider the trendy Mission with its murals and tacos.  Craving history? North Beach’s Little Italy beckons.  Techie at heart? SoMa puts you in the heart of innovation.  Remember, hills are a way of life here – from the Marina’s dramatic cliffs to Nob Hill’s cable cars.  Microclimates exist too, with the fog-kissed Sunset contrasting the sunny Mission.  Public transport is key, and walkability varies.  Research each area’s nightlife, noise level, and proximity to green spaces. With careful exploration, you’ll find your perfect San Francisco niche.

Here is a blog about an SF local’s guide to the best 13 neighborhoods in San Francisco.