1388 Gough St #505
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
34% of that payment is not the mortgage. The HOA fee alone is $113,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,328.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,950). 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 ($1,914 in 2026), not enough for a trend yet. The listing shows $1,898/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 59 days → some leverage
- Upper floor (fl 5)
⚠️ Cons
- HOA $1898/mo
🚩 Red flags
- Very high HOA $1898/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 13, 2026 — Listed $1,099,000
Description
Unit 505 at Post International is not just a home. It is a lifestyle. Perched on the fifth floor of one of San Francisco's most coveted full-service luxury buildings, this fully reimagined 2-bedroom, 2-bath residence sits at the vibrant crossroads of Pacific Heights, Hayes Valley, the Fillmore, and beloved Japantown. World class restaurants, boutiques, cafes, and cultural landmarks are all just steps away, making this one of the most walkable addresses in the city. Sunny east-facing windows frame sweeping downtown San Francisco city views, while sliding glass doors open onto a large private balcony with a full outdoor living setup and private storage closet above the skyline. Inside, wide…