For-Sale Affordable Housing
For-Sale Below Market Rate (BMR) housing is priced to be affordable to households that are low- to moderate-income. The price for a for-sale BMR housing unit is typically lower than the prices of similar homes that are being sold or rented on the open market. Owners of a BMR housing unit must occupy the home as their primary residence and comply with restrictions on the unit designed to ensure the unit remains affordable to future buyers.
In 2018, the City adopted an Inclusionary Housing Ordinance is to increase affordable housing opportunities for those looking to rent and those looking to own a home in South San Francisco. The Ordinance also aims to ensure that homes remain affordable over time. To learn more, see SSFMC Chapter 20.380: Inclusionary Housing Regulations.
Interested in Buying a BMR Unit?
Households interested in buying a for-sale BMR unit must complete a HUD-approved 8-hour first-time homebuyer education course. The date on the completion certificate for the class must be within six months of the date of application for a BMR unit. The following agencies offer HUD-approved courses. Other agencies may qualify if they meet the HUD-approved 8-hour homebuyer education course requirements.
Households interested in buying a for-sale BMR unit are encouraged to engage a local, licensed real estate agent to represent them through the process.
Current Listings
2230 Gellert Boulevard, Unit 3209
As of February 19, 2025, 12:00 PM, applications are no longer being accepted for this property.
The lottery video has been posted on the City's YouTube page: Lottery for 2230 Gellert Blvd #3209
645 Baden Avenue, Unit 1
Discover modern townhouse living in this beautiful new 3-bedroom, 2-bathroom home, just a mile from BART and Caltrain for easy commuting. The home features sleek laminate floors, quartz countertops, a kitchen island, and a private patio space. Perfect for families, its located in a friendly neighborhood near parks. Plus, it comes with a solar system for energy savings, a one-car carport, and is just 4 miles from SFO. Affordable Housing Opportunity: This is a Below Market Rate (BMR) unit through South San Francisco's Affordable Home Buyer Program. It's designed for eligible buyers who meet income limits (120% of San Mateo County's Area Median Income). For example, maximum incomes are 3 people - $201,500; 4 people - $223,900; 5 people - $241,800; 6 people - $259,700. To apply, submit a complete pre-screen application for eligibility. Incomplete applications will not be reviewed. APPLICATION DEADLINE IS APRIL 3, 2025, 12:00 PM.
To view the full listing or to request an application, please visit: 645 Baden Ave #1, South San Francisco, CA 94080 - 3 Beds | 2 Baths (Active) - ML81981062 | MLSL
645 Baden Avenue, Unit 5
Discover modern townhouse living in this beautiful new 3-bedroom, 2-bathroom home, just a mile from BART and Caltrain for easy commuting. The home features sleek laminate floors, quartz countertops, a kitchen island, and a private patio space. Perfect for families, its located in a friendly neighborhood near parks. Plus, it comes with a solar system for energy savings, a one-car carport, and is just 4 miles from SFO. Affordable Housing Opportunity: This is a Below Market Rate (BMR) unit through South San Francisco's Affordable Home Buyer Program. It's designed for eligible buyers who meet income limits (120% of San Mateo County's Area Median Income). For example, maximum incomes are 3 people - $201,500; 4 people - $223,900; 5 people - $241,800; 6 people - $259,700. To apply, submit a complete pre-screen application for eligibility. Incomplete applications will not be reviewed. APPLICATION DEADLINE IS APRIL 3, 2025, 12:00 PM.
To view the full listing or to request an application, please visit: 645 Baden Ave. #5, South San Francisco, CA 94080
Existing BMR Homeowners
The (PDF, 1016KB)City's Procedures and Guidelines for Inclusionary Housing Packet(PDF, 997KB) provides information for existing BMR homeowners on a range of topics, including:
Improving Your BMR Home
Thinking about making improvements to your home? Do you want to add the cost of the improvements to the future resale price of your home? In accordance with your Resale Restriction Agreement, the City will approve improvements that improve the health and safety conditions of your home. Find out more about receiving such approval before any work is done.
Refinancing Your BMR Home
You may refinance your BMR home to take advantage of lower interest rates and other improved loan terms. However, refinances are subject to certain requirements and restrictions. Find out more about refinancing your BMR home(PDF, 140KB).
Selling Your BMR Home
Considering selling your BMR home? Find out more about how to put your home on the market.