31 Page St #203
This is an income-restricted (BMR) resale. Its price is set by an income formula, not by the market, so the gap against normal comps is not equity you own — it is a restriction you inherit, with income limits to qualify and a formula price when you sell. Scoring it against market comps would flatter it enormously, so we don't score it at all.
💵What this unit actually costs per month
37% of that payment is not the mortgage. The HOA fee alone is $47,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,602.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,624). 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 2026-11-05 — 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
2 recorded pointsReconstructed from 6 units of recorded sales at 31 Page St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Cheapest of 18 tracked in Sf District 6
- 39% below model fair value
- In-unit W/D
- Newer build (2014)
⚠️ Cons
- HOA $795/mo
- Only 1 bath
🚩 Red flags
- Income-restricted (BMR) resale — price set by an income formula, not the market; buyer income limits apply and the gap vs comps is not equity
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $392,481
Description
Convenient Location in Downtown San Francisco! Ideally located with walking distance of Hayes Valley's popular restaurants, cafes, shops and excellent public transportation options. This 2-bed/1 bath beautiful condo was built in 2014 with the convenience of in-unit laundry and indoor bicycle storage within the building. Below Market Rate (BMR) housing opportunity available at 80% Area Median Income (AMI). Maximum income for 2 people = $103,750; 3 = $116,700; 4 = $129,700, etc. Must be 1st-time homebuyer & income eligible. Unit available thru the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring & other restrictions. Unit will be listed on…