SF Renters GuideNeighborhoods

Best SF Neighborhoods by Budget

Where to live in San Francisco based on what you can afford.

11 min readUpdated January 2026

San Francisco is expensive, but some neighborhoods offer better value than others. From the tech-heavy SOMA to the historic Mission, each area has its own character and price point. This guide breaks down the best neighborhoods by budget.

Under $2,500/month

Finding a decent studio or 1BR under $2,500 in SF proper is challenging but possible. You'll be looking at less trendy neighborhoods or smaller units.

Tenderloin

Central SF
$1,800-2,400
Avg studio/1BR

Most affordable in central SF. Walking distance to downtown, civic center, and tech offices. Can be gritty—research specific blocks carefully.

BART, Muni

Outer Sunset

Western SF
$2,000-2,600
Avg studio/1BR

Quiet, foggy, near Ocean Beach. Great for surfers and nature lovers. Longer commute downtown but excellent value and neighborhood feel.

N-Judah, L-Taraval

Outer Richmond

Northwest SF
$2,000-2,600
Avg studio/1BR

Near Golden Gate Park and Land's End. Amazing Asian food. Foggy but peaceful. Good value for families and those who don't need to be downtown.

38-Geary, 1-California

Excelsior

Southern SF
$1,800-2,400
Avg studio/1BR

Working-class neighborhood with strong community. Near BART (Balboa Park). Good for those who work in the South Bay. More space for less money.

BART, Muni

$2,500-$3,500/month

This budget opens up more centrally-located neighborhoods with better transit access.

Inner Sunset

Central West SF
$2,600-3,400
Avg studio/1BR

Great neighborhood feel with shops and restaurants on 9th Ave. Near UCSF and Golden Gate Park. N-Judah provides direct downtown access.

N-Judah

Outer Mission

South Central SF
$2,400-3,200
Avg studio/1BR

More affordable than Inner Mission. Near Glen Park BART. Residential feel with diverse community. Good access to highway 280 for South Bay commuters.

BART, 14-Mission

Bernal Heights

South SF
$2,800-3,600
Avg studio/1BR

Hilly with amazing views. Village-like feel with local shops on Cortland Ave. Near 24th St Mission BART. Popular with young families.

24th St BART, Muni

Potrero Hill

East SF
$2,800-3,800
Avg studio/1BR

Sunny microclimate (one of SF's warmest). Great views, walkable to Dogpatch and SOMA. Near tech companies. Village feel on 18th Street.

Muni, Caltrain nearby

$3,500-$4,500/month

This budget opens up the most popular and centrally-located neighborhoods.

The Mission

Central SF
$3,200-4,200
Avg studio/1BR

SF's trendiest neighborhood. Amazing food, nightlife, murals. Sunny (SF's warmest). Two BART stations. Vibrant but gentrifying quickly.

16th & 24th St BART

Castro

Central SF
$3,200-4,200
Avg studio/1BR

Historic LGBTQ+ neighborhood. Charming Victorian architecture. Great restaurants and bars. Near Muni metro. Sunny and walkable.

Castro Muni Station

Hayes Valley

Central SF
$3,400-4,400
Avg studio/1BR

Trendy boutiques, amazing restaurants. Near Opera and Symphony. Very walkable. Limited parking. Popular with young professionals.

Van Ness Muni, Civic Center BART

SOMA

South of Market
$3,200-4,500
Avg studio/1BR

Tech hub with modern high-rises. Near Oracle Park, museums, and clubs. Can feel industrial in parts. Great transit access.

BART, Muni, Caltrain

$4,500+/month

Premium neighborhoods with the best views, quietest streets, and most prestigious addresses.

Marina

Northern SF
$3,800-5,000
Avg studio/1BR

Flat streets, beautiful views of the Bay and Golden Gate. Upscale bars and restaurants on Chestnut. Popular with young professionals.

30-Stockton, 22-Fillmore

Pacific Heights

Northern SF
$4,500-7,000
Avg studio/1BR

SF's most prestigious neighborhood. Stunning Victorian mansions. Fillmore Street shopping. Amazing views. Very exclusive.

22-Fillmore, 1-California

Noe Valley

Central SF
$4,000-5,500
Avg studio/1BR

Family-friendly with cute shops on 24th Street. Sunny microclimate. Near J-Church Muni. Victorian homes. Very desirable.

J-Church, 24th St BART nearby

Russian Hill

Northern SF
$4,000-6,000
Avg studio/1BR

Famous for Lombard Street. Stunning Bay views. Near Polk Street shopping. Hilly but beautiful. Cable car access.

Cable cars, 41-Union

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Tips for Choosing a Neighborhood

  • Visit at different times — Day, night, weekday, weekend. Neighborhoods feel different.
  • Test your commute — Actually ride Muni or BART during rush hour.
  • Check the microclimates — The Sunset is foggy; the Mission is sunny. Weather varies dramatically.
  • Walk the blocks — SF neighborhoods can change block by block.
  • Consider roommates — A 2BR split is often better value than a studio.

Found a Neighborhood? Research Buildings.

Search any address to see building information and history.

Search SF Buildings