SF's Market Is Only for the Ultra-Wealthy

Let's bust this myth wide open. The idea that San Francisco real estate is only for the ultra-wealthy has become gospel in some circles. And hey, I get it. When you see a two-bedroom listed for $1.7M with "tons of potential", it's easy to assume the city's been sold off to billionaires and crypto kings. But here's the twist: that narrative, while loud, isn't the whole truth.

Yes, SF is expensive. No sugarcoating that. But the myth falls apart when you zoom in. There are buyers—teachers, artists, small business owners who are finding ways in. They're co-buying with friends, tapping into community land trusts, snagging off-market deals, or getting creative with ADUs and fixer-uppers. They're people who refused to believe the hype and got strategic instead.

Photo by Braden Collum on Unsplash

The real story here isn't about wealth—it's about resourcefulness. The market rewards those who dig deeper, ask better questions, and aren't afraid to color outside the lines. And honestly? That's the kind of energy SF has always thrived on. It's not just about who has the biggest bank account—it's about who's willing to rethink what homeownership looks like in a city that's constantly evolving.

So, next time someone tells you SF is only for the rich, take it with a grain of salt. Is it tough? Absolutely. Impossible? Not even close. The city's got layers, and if you dig a little, you might just find a spot that works for you without selling a kidney.