The best buy is 2619 Folsom St, San Francisco: 4 bd / 4 ba, 2,795 sq ft, $988,000 — $353 per sq ft

Asked (summary):

The absolute best house to buy in the Bay Area right now under $1.5M, with $0 HOA and more than 3 bedrooms — San Francisco, Marin, the Peninsula and South Bay only; no East Bay, Oakland or Berkeley.

A live-web scan on 2026-09-10 surfaced 126 listing mentions, normalized to 88 apparent qualifying houses in the allowed geography; the tighter shortlist below keeps the top 12 substantial homes (4+ bedrooms, under $1.5M, explicit $0 HOA, 1,800+ sq ft). Prices are asking prices in US dollars. This is a live-web shortlist, not an exhaustive MLS guarantee.

Crucial catch: the winner is tenant occupied

Two of the three confirming sources state "Tenant Occupied", and one records a cut from $1,699,000 to $988,000 on 2026-08-27 — an unusually large drop. Before offering, do not waive diligence on tenant and possession rights, estoppel and lease documents, eviction restrictions, title, permits and legal bedroom/bath count, inspection, foundation and seismic condition, insurance, and whether the seller will deliver vacant possession. "$0 HOA" appears explicitly on one listing page; the two confirming hosts left HOA blank — verify in disclosures and title.

Value comparison: price per square foot and asking price

12 shortlisted houses, sorted best value first. Bar length = price per sq ft (lower is better); the label on the right shows the asking price. Hover or tap a bar for full details.

2619 Folsom's $353/sq ft is 6% cheaper than the runner-up and 41% cheaper than the shortlist's worst value ($603/sq ft at 177 Tucker Ave). aegishomesre.com

At $988,000 the winner leaves $512,000 of headroom under the $1.5M ceiling — the most of any candidate. tule.exprealty.com

The $988,000 price and active status are corroborated across three independent hosts; the most recent confirmation was updated 2026-09-07. era.com

Six of the 12 shortlisted houses are in San Francisco proper, four in Daly City and two in San Jose; the ranking is value-led (price per sq ft, then corroboration and price) and does not capture neighborhood quality, schools, condition or legal risk. zillow.com

Verification of 2619 Folsom Street across three independent hosts

One row per host; no single URL backs more than one of the three rows.

The ranked shortlist

#	Address	Ask	Bd	Ba	Sq ft	$/sq ft	Headroom	Status	Notable	Source

Method: live-web scan as of 2026-09-10 extracted 126 listing mentions, normalized to 88 apparent qualifying houses across SF, Marin, Peninsula and South Bay (East Bay, Oakland and Berkeley excluded); the shortlist keeps the top 12 with 4+ bedrooms, ask under $1.5M, explicit $0 HOA and 1,800+ sq ft, ranked by price per sq ft, then corroboration and price. Winner verified across 3 independent hosts. Dollar figures are asking prices; listings are volatile and syndicated pages can lag MLS. Notable-feature text truncated for space.

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