How Appraisal Gaps Affect San Francisco Buyers in 2026
How Appraisal Gaps Affect San Francisco Buyers in 2026 Author: Ms. San Francisco Real Estate | Last Updated: June, 2026 Buying a home in San Francisco, CA, real estate has never been simple, but in 2026, appraisal gaps are becoming one of the biggest challenges for buyers. If you’re working with a real estate agent in San Francisco, CA or searching for the best real estate agent in San Francisco, CA, understanding how appraisal gaps work can save you time, money, and stress. What Is an Appraisal Gap? An appraisal gap happens when: The agreed purchase price of a home Is higher than the appraised value determined by a lender’s appraiser For example: Offer price: $1,500,000 Appraised value: $1,400,000 Gap: $100,000 This difference directly impacts buyers in the San Francisco real estate market, where competitive bidding often drives prices above market value. Why Appraisal Gaps Are Common in San Francisco The San Francisco housing market is unique, driven by hi...