1150 Sacramento St #101
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
26% of that payment is not the mortgage. The HOA fee alone is $187,620 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $25,844.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($194,750). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($3,127 in 2026), not enough for a trend yet. The listing shows $3,127/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- On market 78 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (1%/yr)
⚠️ Cons
- 81% above model fair value
- HOA $3127/mo
- Ground floor
🚩 Red flags
- Very high HOA $3127/mo (full-service high-rise)
Photos
Price history (this unit)
- Jul 7, 2026 — Listed $3,895,000
- Jun 14, 1999 — Sold (Public Records) $1,250,000
Description
Located at the top of Nob Hill, just steps from the Fairmont Hotel, Huntington Park, and the new Big Four Restaurant, 1150 Sacramento #101 is a beautifully reimagined two-level home which was completely redone to the highest aesthetic. Dramatic 18-foot ceilings and an open floor plan create an ideal setting for entertaining and displaying art. The main level features elegant herringbone floors, an imported European marble fireplace, and a dining area with a substantial crystal chandelier and bar with dual Sub-Zero wine refrigerators. Designer lighting throughout is fully integrated with the Lutron app for customized dimming and control. The new chef's kitchen boasts Wolf appliances…