A dual-income couple in San Francisco weighing whether to keep renting or buy a $1.4M condo
Priya & Jordan, both 34, San Francisco CA
exampleMarried, no kids yet, considering one in the next few years · $360k/yr household income
They're renting a 1BR in the Mission District and debating whether to buy a condo before they start a family
Priya & Jordan are renting a 1BR in the Mission District and debating whether to buy a condo before they start a family The real question: With $1.4M condos and HOA fees on top of a mortgage, does buying actually build more wealth than staying renters in San Francisco?
There’s a gap to close$8.8M
Projected net worth at retirement (2055)
Retirement year
2055
Safe withdrawal / yr
$354k
Spending need / yr
$124k
First shortfall
2055
Modeled year by year, the plan runs short before the finish line. That doesn’t mean the goal is off the table. It means one or two levers (savings rate, timing, or the size of the purchase) need to move, and seeing exactly where and when is the value.
Your situation is more like this than a rule of thumb
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Get my verdict →An illustrative example household. The numbers are modeled by Rightmont’s engine from these inputs; your real answer depends on your full picture. Educational only, not financial advice.