In the Richmond district (depending on whether it's inner, central, or outer richmond district),
you can get a full five for much less than that, or in the inner richmond district it would be harder to be under 1 mil. to get a home with all the bells and whistles.
In the Sunset, these are cheaper and you can get bigger houses; of course, all the properties near the beach are going for less than the properties going towards inland.
For specifics, it's best to get a complimentary consultation with an experienced realtor.
I'd be happy to help people like you.
You can find a great home in SF for 1 million. You can find a pretty great condo with parking, laundry and all the amenities. Or, you might find a great single family home or fixer for a million.
Location is really the big question, but with any lifestyle you should be able to find something for a million.
My team and I pride ourselves on helping people find the right fit.