Hi Friends,
After Thanksgiving last week, we’ve officially entered San Francisco’s winter market — a period when activity naturally cools a bit at the start of the holiday season, yet well-priced homes and serious buyers remain very much in play.
As of late November, the 30-year fixed mortgage rate is holding in the low-6% range (around 6.2%), one of the lowest levels we’ve seen this year. With the Fed delivering two 0.25% rate cuts in 2025 and overall uncertainty continuing to ease, confidence is gradually returning for both buyers and sellers.
Locally, momentum is unmistakable: October home sales hit their highest count since May 2022 and luxury sales were the strongest in four years. Price reductions fell 46% year over year, the pending-sale ratio reached its highest reading since the pandemic peak, and competition was fierce with 80% of houses and 44% of condos selling over list. New listings are arriving, yet supply remains tight, so well-prepared properties stand out and command attention — San Francisco is moving with confidence, and this season offers real opportunity to make a smart, strategic play.
Below are market reports, upcoming listings, available homes, and recent sales. Plus, don’t miss this month’s Spotlight, our Food Bank volunteer mission, and our DA Picks. This month’s feature is Holbrook House — an urban oasis in the heart of the Financial District.
As always, feel free to reach out to us with any real estate-related questions. Whether you’re ready to buy, sell, or explore your options, we’re here to help. If you need assistance outside of San Francisco, our national network of agents is ready to help you, your friends, or your family.
Thank you so much to our amazing clients, friends, and team who recently volunteered with us at the San Francisco Food Bank. We’re grateful to give back and proud to be part of a community that truly cares. Real estate and community both come down to one thing — people. Giving back is our way of staying connected and making a difference together.
San Francisco Neighborhood Price Map
If you want to do a deeper dive into what these market insights mean for you, or you are just curious about the market, we’d love to chat!
S.F. Homes Selling Fastest Among Large U.S. Cities
According to the San Francisco Chronicle, the city’s housing market snapped back this fall: the median home sold in September found a buyer in about three weeks, more than a month faster than the 51-day national figure. Momentum is being fueled by tight supply and an influx of well-capitalized buyers tied to the AI boom, which has kept sellers firm on pricing. Sales jumped this fall even as new listings dipped, an early signal that prices could begin to climb if the pace continues.
What it means: Buyers should get pre-approved and be ready to act quickly, especially in faster-moving west-side neighborhoods, while keeping an eye on value plays where days-on-market remain longer (downtown/east-side condos). For sellers, the speed of sales and firm demand suggest improving pricing power for well-prepared listings; if rates ease further, expect competition to intensify.
source: sfchronicle.com
December Events and Festivals in SF
December sparkles in San Francisco with holiday lights, music, and tradition. Enjoy the Illuminate SF Festival of Light, Great Dickens Christmas Fair, Winter Walk, and SF Ballet’s Nutcracker, plus festive favorites like SantaCon and Bill Graham Menorah Lighting across the city.
source: sftravel.com
Holbrook House
We had an incredible dining experience at The Holbrook House this week. Tucked beneath a stunning glass atrium in the heart of the Financial District, it truly feels like an urban oasis. We’re always drawn to spaces that balance beautiful design with exceptional service, and Holbrook House does exactly that. It’s the ideal setting for a client lunch flooded with natural light, or a team strategy session over elevated California cuisine.
Loved stepping out of the office and getting inspired in a space that matches our pace and standards. Already looking forward to the next visit.
DA Team Tip:
Start with the corn bisque or a half-dozen oysters, then share the Holbrook House Burger and crab linguine. Finish with the huckleberry yuzu shortcake. Perfect for an after-work catch-up.
“Indeed, we consider ourselves very fortunate to work with Dale and Alla and their team. We are delighted to receive this unexpected gift, which is further evidence (if any were needed) of what excellent agents they are!“
— P. & M. W.
You can see more testimonials on our website.
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