832 Sutter St Apt 503
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 $39,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,924.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,250). 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 ($662 in 2026), not enough for a trend yet. The listing shows $662/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 5)
- In-unit W/D
- Low HOA (1.4%/yr)
- Newer build (2016)
⚠️ Cons
- Small (598 sf)
- HOA $662/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $585,000
Description
Wake up steps from Grace Cathedral, with Huntington Park as your neighborhood green space and world-class shopping and dining in Union Square just around the corner. This Lower Nob Hill pocket puts you within easy walking distance of North Beach, the Ferry Building, and the waterfront near Ghirardelli Square - with new restaurants and coffee shops continuing to pop up nearby. 99 Walk Score, 100 Transit Score. Home is Unit 503, an upper-floor, rear-facing 1 bed / 1 bath in a boutique 20-unit development built in 2016. The rear-facing view takes in a neighboring brick building, giving the home a quiet, European-inspired feel. The open-concept floor plan makes smart use of every square foot…