SF RealtorSan Francisco & Bay Area

San Francisco · Peninsula · South Bay · East Bay · Marin

From the Avenues to the East Bay hills.

Local representation for Bay Area buyers and sellers. Offer dates, disclosure packets, TIC financing and transfer tax, explained with real numbers before you decide.

Moony Tong · Premier Realty Associates · DRE #01880713

Selling

Get a free valuation based on recent sales on your block and in your district.

Buying

See which loans you qualify for and the price range they support at Bay Area loan limits.

Check loan options Build an offer

Bay Area numbers to know, 2026

Conforming loan limit
$1,249,125
Single-unit homes in SF, San Mateo, Santa Clara, Alameda, Contra Costa and Marin. Borrow more and it's a jumbo loan.
Property tax
1.1–1.3%
Of the purchase price each year: Prop 13's 1% base plus local bonds and assessments.
County transfer tax
$1.10 per $1,000
San Francisco, Oakland, Berkeley and some other cities add their own, often much higher.
Minimum down payment
3%
Conventional loans for first-time buyers. FHA is 3.5%, and VA can be zero.

Run your own numbers

Run the numbers yourself. When you're ready, I'll prepare a version based on your actual home or loan.

Loan options

See which loan programs and down payment options fit your situation, with an estimated price range for each.

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Offer builder

Compare offer strategies, set your price and contingencies, and send the package to me for review.

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Home value report

Find out what your home could sell for, with a free comparative market analysis based on recent nearby sales.

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Mortgage calculator

See your full monthly payment, including principal, interest, property tax, insurance, HOA and PMI.

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Affordability calculator

Work out how much home your income supports before you start touring.

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Rent vs. buy

Compare your net worth after renting or buying over the years you plan to stay.

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Seller net proceeds

Estimate what you'll take home after commission, transfer tax, payoff and closing costs.

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Listing alerts

Get new Bay Area listings that match what you want, emailed as soon as they hit the market.

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Buying

Winning in a multiple-offer market

  • Reading disclosure packets and pre-inspections before offer day
  • Pricing strategy for homes listed below market with a set offer date
  • Financing that fits the property: condos, TICs, 2–4 units and jumbo loans
  • Early access to coming-soon and off-market listings
Start my home search

Selling

Preparing for offer day

  • Pre-sale inspections and a complete disclosure packet up front
  • List price and offer-date strategy based on recent sales in your district
  • Staging, photography and marketing to qualified Bay Area buyers
  • Negotiation through close, including rent-back and contingency terms
Get my home value

San Francisco, district by district

The San Francisco MLS divides the city into 10 districts. Housing stock, prices and competition change a lot from one to the next.

  1. 1

    Northwest

    Inner & Outer Richmond, Sea Cliff, Lake Street, Jordan Park

  2. 2

    Central West

    Inner & Outer Sunset, Parkside, Golden Gate Heights

  3. 3

    Southwest

    Lakeshore, Merced Heights, Ingleside, Oceanview

  4. 4

    Twin Peaks West

    St. Francis Wood, Forest Hill, West Portal, Miraloma Park

  5. 5

    Central

    Noe Valley, Castro, Glen Park, Twin Peaks

  6. 6

    Central North

    Haight-Ashbury, Hayes Valley, NoPa, Alamo Square

  7. 7

    North

    Pacific Heights, Marina, Cow Hollow, Presidio Heights

  8. 8

    Northeast

    Russian Hill, Nob Hill, North Beach, Telegraph Hill

  9. 9

    Central East

    Mission, Bernal Heights, Potrero Hill, SoMa

  10. 10

    Southeast

    Bayview, Excelsior, Portola, Visitacion Valley

Across the Bay

  • San Francisco

    Victorians, Edwardians, condos, TICs and lofts across 10 MLS districts.

  • San Mateo County

    Peninsula suburbs with top-rated schools and an easy commute to SF or Silicon Valley.

  • Santa Clara County

    The heart of Silicon Valley, from established neighborhoods to new construction.

  • Alameda County

    East Bay character homes, walkable downtowns and BART access.

  • Contra Costa County

    More space for the money, great parks and family-friendly communities.

  • Marin County

    Small towns, open space and the Golden Gate at your doorstep.

Areas and monthly market reports

About

Moony Tong

Premier Realty Associates · DRE #01880713

Get in touch

Let's talk about your move

Whether you're buying your first condo or selling a family home, reach out for a no-pressure conversation.

415-322-5887

moonytong@gmail.com