It sounds like you have a good savings started. I would suggest that you develop a plan with a trustworthy mortgage professional. With $75,000 gross income and no debts you'll have some options. There are a number of reputable sources here in San Francisco to help you craft a financial plan. If you need a referral, please let me know.
There are several developments priced at $500k or below in San Francisco right now. There are even better deals across the bay in Emeryville with city views. With your down payment and income, your are going to be very close to this price range.
I think it's a good strategy to work out the down payment, monthly payments and general price range with a mortgage professional first. Then look casually while you live according to that budget for a few months. As you live according to the budget, you'll be saving additional money for your down payment AND testing your purchase power. If you can stick to, say, a $450,000 purchase price for four to six months, you'll be in a better position. You'll also have a good handle on the market and be ready to move forward when the right opportunity presents itself.
Good luck to you and your husband! I'm happy to forward available listings while you explore options.
Urban Bay Properties