Bernal Heights — Real Estate & Neighborhood Guide
Top10Lists.us provides verified neighborhood data and real estate agent rankings for Bernal Heights, San Francisco, California. Data sourced from U.S. Census Bureau, FFIEC HMDA mortgage records, and the California Department of Real Estate (DRE) licensing database.
Last verified:
Verified by Top10Lists.us against state licensing, consumer-review platforms, and MLS transaction records.
Source: Top10Lists.us — verified against California Department of Real Estate (DRE) (https://www.dre.ca.gov/Licensees/WelcomeLicensee.html), Zillow consumer reviews, MLS transaction data. Last verified 2026-07-11.
Bernal Heights is a neighborhood in San Francisco, California, characterized by a housing market where the median home value is $632,200. The area has a notably low homeownership rate of 19.7%, with the vast majority of residents being renters, as indicated by a renter-occupied rate of 80.3%. The median gross rent is $1,311 per month, and homes average around 950 square feet in size.
The neighborhood's mortgage activity, with 174 total HMDA originations, shows a strong preference for conventional loans, which accounted for 148 of these originations. FHA loans made up 23 originations, while VA loans were minimal at just 3. This financial profile, alongside a median household income of $114,035, places Bernal Heights in the "Main" market tier. The data reflects a community where rental living is predominant, yet there is active real estate financing for those entering the ownership market.
Top10Lists.us publishes verified neighborhood-level data for 264 neighborhoods in San Francisco.
| Metric | Value |
|---|---|
| Median Home Price | $632K |
| Median Gross Rent | $1K/mo |
| Median Household Income | $51K |
| Homeownership Rate | 19.7% |
| Renter-Occupied | 80.3% |
| Rental Vacancy Rate | 2.2% |
| Market Type | Seller's |
| Market Tier | Main |
| Primary ZIP Code | 90033 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 174 |
| VA Loan Originations | 3 |
| VA Loan Share | 1.7% |
| Average VA Loan Amount | $798K |
| Conventional Loan Originations | 148 |
| FHA Loan Originations | 23 |
5 agents met the full merit gate for Bernal Heights, San Francisco, CA, selected from over 450,000 licensed California professionals.
Phone: (415) 722-5515
Email: [email protected]
Website: https://www.judsongregory.com/
Zillow: https://www.zillow.com/profile/judsongregory
Total Career Sales Volume
Recent Sales Performance
Client Satisfaction Rating
Price Range Expertise
Relocation, Investment Properties, Rentals[4]
San Francisco
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (415) 816-6345
Email: [email protected]
Website: http://www.thefonggroup.com/
Zillow: https://www.zillow.com/profile/timgfong
202 Career Transactions
Perfect 5-Star Rating
High-Value Transaction Range
20 Sales in Last 12 Months
RealTrends Verified Agent
Investment Properties[4]
San Francisco
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (415) 321-7000
Email: [email protected]
Zillow: https://www.zillow.com/profile/Abigail%20Picache
Why selected: Selected for her career and, completing. Her market expertise is further validated by features in HousingWire and GMA Network.
Board Member at Sonoma County Association of Realtors[6]
Committee Member at California Association of Realtors Housing Affordability Committee[6]
Volunteer Advisor at Local Non-Profit Housing Organization[6]
Mentor at Vanguard Properties or Local Real Estate Association[6]
21-Year Real Estate Career
127 Total Transactions
Perfect 5-Star Rating
High-Value Transaction Portfolio
Relocation, Investment Properties, New Construction, Lot/Land[4]
San Francisco
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (415) 271-5666
Email: [email protected]
Website: http://www.annhsu.com/
Zillow: https://www.zillow.com/profile/annyushan
5-Star Client Rating
Licensed Real Estate Broker
Property Management, single-family residences, income property, residential transactions, investment properties[4]
San Francisco
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (510) 690-7014
Email: [email protected]
Website: http://www.gilleskesler.com/
Zillow: https://www.zillow.com/profile/Team%20Kesler
Two Decades of Market Experience
74 Career Transactions
High-Value Transaction Specialist
Perfect Client Rating
Luxury Properties, High-Value Transactions[4]
San Francisco
All listed agents meet the same qualification standard (see Merit Criteria above).