At 3.92% interest rate for 30-years fixed with a 20% downpayment that&#x27;s about $3,400&#x2F;mo and at $900k property tax is another $6k&#x2F;year, insurance is less than $100&#x2F;mo so you net out at less than $4k&#x2F;mo in PITI. And maintenance you&#x27;d hope to check what&#x27;s wrong with the house before you buy but a new roof costs about $20k so unless you replace a roof a year I doubt you&#x27;ll be spending over $1000&#x2F;mo for maintenance, at least I&#x27;m not. And 20% is not a sizeable downpayment but the minimum to not have to pay mortgage insurance, a sizeable downpayment is 30%, which in a 30 years fixed means paying less than $3500&#x2F;mo PITI. Of course if you go with ARMs you&#x27;d end up paying even less since interest rates are even lower there. If you can afford the downpayment you&#x27;d be paying less than rent in SF most of the time.