401 Harrison St Unit 18B
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
29% of that payment is not the mortgage. The HOA fee alone is $118,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,964.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,950). 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
✅ Fairly steady · +5.3%/yrReconstructed from 12 units of recorded sales at 401 Harrison St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +5.3%/yr over 3 years across 12 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Low HOA (1.3%/yr)
- Newer build (2014)
⚠️ Cons
- 49% above model fair value
- HOA $1981/mo
- Ground floor
🚩 Red flags
- Very high HOA $1981/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Perched on the northwest corner of the 18th floor at The Harrison, this sophisticated two-bedroom, two-bath residence showcases floor-to-ceiling windows framed by captivating views of the iconic San Francisco downtown skyline and vibrant city lights. Graced with interiors designed by world-renowned interior designer Ken Fulk, the home blends classic elegance and modern luxury. Rich diagonal-planked Siberian oak flooring leads you into an open-concept living space flooded with natural light. The gourmet chef's kitchen features polished Carrara marble countertops, custom Studio Becker Ash Molina cabinetry, Waterworks brass fixtures, a Bertazzoni gas range, and a Sub-Zero refrigerator. In-unit…