960 Market St #808
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
33% of that payment is not the mortgage. The HOA fee alone is $41,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,083.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,900). 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
🚩 Rising fast · +14.8%/yrReconstructed from 33 units of recorded sales at 960 Market St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 32% in 2 years — about +14.8%/yr across 33 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 8)
- In-unit W/D
⚠️ Cons
- 13% above model fair value
- Small (398 sf)
- HOA $686/mo
🚩 Red flags
- HOA rising ~15%/yr in this building ($598/mo in 2024 → $788)
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $458,000
Description
Luxuriously appointed junior 1BR/1BA with oversized windows with city views and sunlight that streams in to the residence. The home is a high floor new release and has stunning hardwood floors. Full service building with 24 hour front desk, overnight security, fitness center, residents' lounge and breathtaking rooftop. Located in the heart of San Francisco's Mid-Market neighborhood, Serif is a new 12-story condominium complex with 242 for-sale residences. Serif also shares its space with the sumptuously hip Timbri Hilton International hotel, retail and dining experiences. Serif illustrates the revitalization of a rapidly changing section of Market Street. Featuring prime walkable access to…