actually, property taxes in sf are a little over 1%, so you&#x27;re looking at $10.4k&#x2F;year on that $900k condo (note: on the cheap for sf).  $3400 + $900 tax + $100 insurance = $4.4k, again, without any condo fees, maintenance, or utilities.  So you&#x27;ll net much closer to $5k than $4k.  Which to my claim, means you&#x27;re out $60k post tax (over $100k pre) without eating, health insurance, owning a car, or parking yet.