1288 Howard St #308
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
25% of that payment is not the mortgage. The HOA fee alone is $29,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($486 in 2026), not enough for a trend yet. The listing shows $486/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
- Upper floor (fl 3)
- In-unit W/D
- Low HOA (0.8%/yr)
- Newer build (2022)
⚠️ Cons
- 14% above model fair value
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $699,000
- Jan 12, 2025 — Rental Removed $2,995
- Nov 12, 2024 — Listed for Rent $2,995
- Dec 14, 2023 — Rental Removed $2,900
- Nov 29, 2023 — Price Changed $2,900
- Nov 29, 2023 — Listed for Rent $3,000
Description
1288 Howard St is a contemporary, newer construction building situated at the crossroads of SOMA, Hayes Valley, and the Theatre District in the heart of San Francisco. Unit #308 is a 1 bedroom, 1 bathroom corner home with a desk alcove and outlooks towards the private interior garden. Completed in 2022, the building was thoughtfully designed for modern urban living, combining sophisticated architecture, designer finishes, and a collection of amenities rarely found in newer developments. Beyond the secure entry gates, a beautifully landscaped pedestrian paseo creates a serene arrival experience. Lined with lush plantings and framed by architectural skybridges, the open-air breezeway provides…