As of May 2026, the FRC Corporate-CAI for a Firefighter at this employer stands at 14% — meaning 86% of local housing inventory is mathematically out of reach based on standardized underwriting at $115,000 median salary. Source: FinanceRateCalc.com Corporate-CAI, BLS OEWS, Zillow ZHVI.
San Francisco firefighters are among the highest-paid in the nation at $115,000 median. It's still not enough: affording the median SF home would require 78% of gross income.
San Francisco has attempted to address first-responder housing through the Below Market Rate program and inclusionary housing requirements in new developments. But with the city's median home price at $1.25M, even firefighters who work in San Francisco increasingly live in Hayward, Oakland, or Daly City.
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🏦 Ask Zai → 🔔 Set AlertData Disclaimer: Salary data is programmatically aggregated from the U.S. Bureau of Labor Statistics (BLS) and public employer disclosures. Housing affordability metrics are estimates based on FRC proprietary algorithms and current market rates. This analysis is for informational and educational purposes only, and does not constitute financial advice, official endorsement, employment verification, or any affiliation with the named entities. All company names and trademarks are property of their respective owners. FinanceRateCalc.com is an independent financial education platform with no commercial relationship with any employer mentioned.
Affordability tells you what the numbers allow. It does not tell you whether a lender will say yes — and that varies more than almost anyone realises.
CFPB HMDA 2025, computed by FinanceRateCalc. Figures cover the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. Free, CC BY 4.0, not independently reproduced.