There are currently 9 homes listed under $450K in the city, excluding District 10 (Bayview, Hunters Point, Visitacion, etc...). Most need work or are not in great areas.
If you are open to the easy bay, you will get much more bang for your buck there, especially if you are willing to buy a place that needs updating and/or can go a little higher. An excellent example: We have clients who are in contract on a 3BR 2BA 1888 sq ft house in Rockridge now for $540K.
I would consider looking near east bay BART stations if BART is a big deal for you. I would also speak with a lender to get an idea of what you can actually afford, then you can balance that against what you want to afford. If you would like some assistance figuring out what area(s) make sense and/or lender referrals, our contact info is below.
Lance King/Owner-Managing Broker
Otherwise, in the East Bay you have numerous homes in many different cities that are definitely in your price range.
The bigger question is how big is your family? What is the square footage you want for the house and lot? Where do you commute to? Some of my clients were in the same exact boat as you. They would love to live in the City. However, with a 800-1000 square foot home for a family of five, they complained it was too small. When they moved to the East Bay, they purchase a home with over 2000 square feet and a huge lot. It all depends on what your comfortable with.
Hope this helps and Good luck!
Here are your options:
Let me know if you have any questions.
Paragon Real Estate Group - dre1844627
Iâ€™ve got to say that there are great homes in that size close to that price in Daly City just across the border. Much easier commute than across the bridge.