1288 Howard St #605
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
22% of that payment is not the mortgage. The HOA fee alone is $31,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,500.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($56,250). 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 $522/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 6)
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- 19% above model fair value
🚩 Red flags
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,125,000
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 #605 is a top floor, south-facing 2 bedroom + den, 2 bathroom, 1,011 sqft condominium with city views. The home features a split floor plan, 2 walk-in closets, and tons of natural light. 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…