Updated November 2026. Competitor prices and terms checked on each company’s own site on October 20, 2026.
A listing service in San Francisco puts your home on SFAR MLS, the San Francisco Association of REALTORS’ MLS, for a flat fee. As of November 2026, 8 flat fee plans serve the city, at $89 to $399 upfront. With the typical home value at $1,441,000 in September 2026, fees at closing and help with offers matter more than the entry price.
Want your own number? See Beycome’s San Francisco listing page for the current price, with $0 due to Beycome at closing and every decision left to you.
Jump to: 💲 Prices · 🤝 Flat fee agents · 📸 Marketing · 🔑 Buyer agents · 🏠 SFAR MLS · 📍 Transfer tax · ⏱️ RECO · ❓ FAQ
San Francisco in four numbers
- The typical home value in San Francisco was $1,441,000 in September 2026 (Zillow Home Value Index), up 15.5% over the year.
- Redfin counted 1,411 home sales in San Francisco in September 2026, up 7.5% from a year earlier.
- A 3% listing fee on that value is $43,230 (an example; commissions are negotiable). Flat fee entry plans here start at $89 upfront.
- San Francisco’s transfer tax at that price is $3.75 per $500, or $10,807.50.
Flat fee plans with nothing owed at closing
Entry plans only, from each company’s own site on October 20, 2026. The last column is what you’d pay the company on a $1,441,000 sale.
| Plan | Upfront | Photos | Term | Portals | Offers, e-sign | Offer help | Edits | Cancel | You pay |
|---|---|---|---|---|---|---|---|---|---|
| Beycome Basic | See current price*** | Most the MLS allows | Up to 24 months** | Zillow, Realtor.com, 100+ sites | Dashboard, e-sign | Artur AI for offers and negotiation; a person on Concierge | Unlimited, no charge | No fee*; no refund once listed | Flat fee, $0 at closing |
| Brokerless $99 | $99 | 6 | 6 months | Realtor.com, more with an asterisk | Not stated | You negotiate | Free status changes | Not stated | $99 |
| Congress Realty Basic | $299 | Up to 4 | 6 months | Zillow, Realtor.com, Trulia, Redfin | DocuSign | Full Service only | Up to 5 | Not stated | $299 |
| Homecoin | $149 | Max | 12 months | Zillow, Realtor.com, Trulia, Redfin | Forms e-signed | Extra cost | 10 free | No cost | $149 |
| Houzeo Bronze | $399 | 25 | 6 months | Zillow, Realtor.com, Trulia, Redfin | None listed | Gold plan and up | 10 | With no pending offers | $399 |
| ISoldMyHouse | $299 | 6 to 10 | 6 months | Zillow, Realtor.com, Trulia | Contract e-signed | You negotiate | Not stated | Any time | $299 |
Plans that add a fee at closing
| Plan | Upfront | At closing | Photos and term | You pay on $1,441,000 |
|---|---|---|---|---|
| HomeZu Local MLS | $399 | “Applicable closing fees,” amount for California not stated | 25 photos, 6 months | $1,840 to $4,002 if the fee is 0.1% to 0.25% |
| List With Freedom Gold | $89 | 0.5% compliance fee | 25 photos, 6 months | $7,294 |
A percentage fee grows with the price, and San Francisco prices are high. The same 0.5% that costs $2,000 on a $400,000 house costs $7,205 here. Brokerless and ISoldMyHouse don’t name California on their pages, but each says it lists in 50 states.
Entry plans are not the same listing. Beycome Basic carries every photo your MLS allows for up to 24 months. Brokerless’s $99 plan carries 6 photos for 6 months, and its $188 plan runs 12 months with more photos. A Victorian with good light and a view deserves more than six pictures.
Flat fee agent in San Francisco: what does seller representation cost?
This is the real question in San Francisco. A well-priced home here may get several offers in the first week. Someone has to compare terms, contingencies and proof of funds, then counter. You can do it yourself with good tools. Or you can pay a flat fee for a person to do it.
| Full-service plan | Upfront | At closing | Who handles offers | You pay on $1,441,000 |
|---|---|---|---|---|
| Beycome Concierge | See current price*** | $0 | A Beycome expert works with you | Flat fee, $0 at closing |
| Congress Realty Full Service | $399 | 0.5% | A Congress agent | $7,604 |
| Houzeo Platinum | $499 | 1.25%, with a minimum fee | Houzeo, with repair talks | $18,512 |
| List With Freedom Platinum Plus | $395 | 0.25% | You; offer review is $595 extra | $3,998 |
On Beycome Basic, Artur, our AI assistant, helps you read offers and draft counters. A person negotiates with you, always on your side, only on our Concierge plan. Against a $43,230 fee at 3% (an example, since commissions are negotiable), a flat Concierge fee is a small share of the price, and many San Francisco sellers will want the person. That’s your call.
Which San Francisco listing service has the strongest marketing package?
Compare 4 things, not the logo: photo count, listing term, where the listing is shared, and who books showings. On the entry plans above, photos run from 4 to the most the MLS allows, and terms from 6 to 24 months. A plan that cuts you to 6 photos saves little on a $1.4 million home.
- Photos. San Francisco buyers scroll first. Ask how many photos the plan carries, and whether a pro shoot is offered.
- Term. A short term can expire in the middle of a slow fall. Check renewal costs.
- Reach. Ask which MLS your address goes into and which home search sites get the feed.
- Showings. ShowingTime, where the MLS offers it, saves you dozens of calls.
Beycome Basic includes every photo the MLS allows and ShowingTime where offered. A pro photo shoot is a $189 add-on to Basic, and Enhanced ($399) adds one. Our guide on listing a San Francisco home on the MLS by owner goes step by step.
Are there flat fee buyer agents in the Bay Area?
Yes. Some brokerages charge buyers a flat fee or share part of the buyer-agent commission back. Beycome’s San Francisco buyer program has no upfront fee. When the seller offers buyer-agent pay, Beycome keeps 1% of the price (at least $1,499) and credits the rest to you at closing, with lender approval.
Here’s a local example. On a $1,441,000 home where the seller offers 2.5%, the buyer-agent pay is $36,025. Beycome keeps $14,410, and $21,615 goes to you as a credit. The credit can’t apply where no buyer-agent pay is offered, as on most FSBO homes, or on homes listed by Beycome sellers. For the trade-offs, read our flat rate buyer’s agent guide.
SFAR MLS and the Bay Area data share
SFAR MLS belongs to the San Francisco Association of REALTORS, which has served the city’s agents since 1905. It covers San Francisco County. SFAR MLS, bridgeMLS (the East Bay) and BAREIS have a data-share deal, widened in 2017, so their agents can see each other’s listings.
Beycome lists San Francisco homes on SFAR MLS through the MLSListings data share. We are not a direct SFAR member. For the East Bay, we list on bridgeMLS. Before you pay any flat fee broker, ask which MLS your address goes into, and whether SFAR MLS agents will see it.
San Francisco’s transfer tax and the $5 million cliff
San Francisco sets its own transfer tax in tiers. Here are the rates from the city’s payment page:
- $250,000 to $1,000,000: $3.40 per $500.
- $1,000,000 to $5,000,000: $3.75 per $500.
- $5,000,000 to $10,000,000: $11.25 per $500.
- $10,000,000 to $25,000,000: $27.50 per $500.
The rate applies to the whole price. That makes the $5 million line a cliff. At $4,990,000 the tax is $37,425. At $5,010,000 it’s $112,725. Twenty thousand dollars more in price costs $75,300 more in tax. If your home is near a tier, price it with that in mind.
RECO: an energy and water check before you sell
San Francisco’s Residential Energy Conservation Ordinance, or RECO, applies when a home is sold. The city’s environment department lists three steps. Get a valid inspection. Install basic energy and water devices, such as attic insulation, weatherstripping, low-flow showerheads and efficient toilets. Then get a certificate of compliance. Some homes are exempt or already certified, and the Department of Building Inspection can tell you which.
Sell smarter
List your home on the MLS from $99
A flat fee instead of a percentage, and $0 to Beycome at closing. You stay in control of your sale.
Sell your home →Buy smarter
Get up to 2% back at closing
On homes listed by other agents, Beycome credits you up to 2% of the price at closing (1% kept, $1,499 minimum; not on FSBO homes or homes listed by Beycome sellers).
Buy a home →The city keeps a list of approved inspectors. Book one early, since upgrades take time. Add the state forms on top: the Transfer Disclosure Statement and the Natural Hazard Disclosure. If your block is in a seismic hazard zone, such as a liquefaction area, the NHD reports it. Our California flat fee MLS overview explains both forms. East Bay seller? See the Oakland flat fee MLS comparison.
Selling in San Francisco with Beycome
Basic is a flat fee with $0 due to Beycome at closing; the San Francisco page shows the current California price. It includes e-sign, an offers dashboard, unlimited edits, ShowingTime when the MLS offers it, and Artur for offers. We’re licensed in California as Beycome Brokerage Realty Inc. (CalBRE #02247733). Start on our San Francisco flat fee listing page. Our sellers close every day with buyers’ agents, title companies and lenders on the other side, and we work with all of them.
Prefer to handle it all yourself? Our guide to selling a San Francisco home without a realtor covers pricing, disclosures and escrow.
Demand is up this year. Redfin counted 1,411 home sales in San Francisco in September 2026, up 7.5% from a year earlier, according to its San Francisco housing market data.
Once you’re live, your home reaches Zillow too. Here’s how to sell by owner on Zillow without the usual mistakes.
San Francisco flat fee questions
Is there a flat fee real estate agent in the Bay Area?
Yes. Beycome Concierge (one flat fee, $0 at closing), Congress Realty Full Service ($399 plus 0.5%) and Houzeo Platinum ($499 plus 1.25%) all add a person to your sale. On a $1,441,000 home, the last two come to $7,604 and $18,512.
What MLS covers San Francisco?
SFAR MLS, run by the San Francisco Association of REALTORS. It shares data with bridgeMLS and BAREIS.
How much is San Francisco’s transfer tax?
It depends on the price. From $1 million to $5 million it’s $3.75 per $500, or $10,807.50 on a $1,441,000 home. From $5 million to $10 million it’s $11.25 per $500.
Do I need a RECO inspection to sell?
Most sales trigger it, unless the home is exempt or already certified. Ask the Department of Building Inspection about your address, and book an approved inspector early.
Is a flat fee listing smart when homes sell over asking?
It can be. The MLS gets you the buyers. The hard part is handling several offers fast, so choose a plan with offer tools or a person who negotiates.
What is a listing service in San Francisco?
A licensed broker that puts your home on SFAR MLS, or on bridgeMLS for the East Bay, for a flat fee. You handle showings and offers, or pay for a plan where a person helps.
Are there flat fee buyer agents in the Bay Area?
Yes. Some brokerages charge buyers a flat fee or share the buyer-agent pay. Beycome’s buyer program has no upfront fee, keeps 1% of the price (at least $1,499) and credits the rest of any buyer-agent pay at closing.
Can I offer a buyer’s agent commission on SFAR MLS?
No. Since August 17, 2024, those offers can’t go on the MLS (NAR). You can still agree to pay one in the deal.
Commission figures are examples only. Real estate commissions are not set by law or by NAR rules and are fully negotiable. Sellers choose whether to offer any compensation to a buyer’s agent, and how much; since August 17, 2024, those offers can’t be shown on the MLS.
Prices as of October 20, 2026, from each company’s own website. “$0 at closing” means no Beycome fee at closing; transfer tax, escrow, title and any buyer-agent pay you agree to still apply. * No cancellation fee, no refund once listed, and no canceling once under contract. ** Listing term is the maximum the state and MLS allow (24 months in California).
*** Beycome Basic is $129 in California and Concierge is $1,399; the San Francisco listing page and /concierge show the current price. Buyer program: no upfront fee; Beycome keeps 1% of the price (minimum $1,499) and credits the rest at closing, subject to lender approval.
Home values: Zillow Home Value Index, September 2026. General information, not legal advice. Reviewed by Beycome Brokerage Realty Inc., licensed real estate brokerage (CalBRE #02247733).
Sources
- Zillow Research, Zillow Home Value Index, September 2026.
- City of San Francisco, pay transfer tax (rate table).
- San Francisco RECO and water conservation inspector list.
- SF Environment, energy and water conservation at time of sale.
- Inman: Bay Area MLSs expand data share (2017).
- San Francisco Association of REALTORS.
- Houzeo, HomeZu, Homecoin and Congress Realty California pages, read October 20, 2026.
- Brokerless, List With Freedom and ISoldMyHouse, read October 20, 2026.
- Beycome, listing package features, October 2026.
- Beycome, San Francisco buyer program, November 2026.
- Beycome internal data, October 2026: list of MLSs Beycome lists on.
- Redfin, San Francisco housing market: 1,411 homes sold in September 2026, up 7.5% year over year (read October 21, 2026).
Disclosure & Disclaimer
Beycome provides real estate services through affiliated licensed brokerages and has a commercial interest in the services and business models discussed on this blog. Content reflects Beycome’s perspective and may promote our services; it should not be treated as independent or neutral reporting.
Articles are provided for general informational and educational purposes only, not as financial, tax, legal, or investment advice or a recommendation for your particular situation. Reading this blog does not create a brokerage, advisory, or other professional relationship.
Information, opinions, pricing, service descriptions, and comparisons reflect the sources and information available when an article was published or last updated and may change. Although we aim for accuracy, we do not guarantee that all content is complete, current, or applicable to your circumstances. Laws, market conditions, and service availability vary by location. Examples and estimated savings are illustrative, depend on stated assumptions, and do not guarantee individual results.
Verify relevant information directly and consult qualified professionals before making decisions. Beycome services are subject to applicable agreements, eligibility requirements, and state-specific terms.
