Is it better to buy or rent in San Francisco in 2025?

Renting is almost universally cheaper in SF right now. The price-to-rent ratio is over 30, meaning owning costs nearly 3x as much monthly as renting a comparable unit, especially with current interest rates.

What is 'Cerebral Valley'?

It is the nickname for Hayes Valley and parts of Noe Valley, where a high concentration of AI startups and founders have clustered. Rents and demand in these specific micro-neighborhoods have surged despite the broader city downturn.

Is Rent Control really that good?

Yes. Most apartments built before 1979 are rent-controlled. This limits annual increases to a tiny percentage (often <2%). Long-term tenants effectively pay 50% below market rate after a decade.

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