Silver Terrace, San Francisco: Complete Homebuyer & Realtor Guide
Hidden gem with bay views and family-friendly vibes
About Silver Terrace, San Francisco
Silver Terrace, San Francisco, California is a residential neighborhood in the southeastern corner of the city, bordered by Third Street to the east, Palou Avenue and Silver Avenue to the north, Williams Avenue to the south, and Bayshore Boulevard and U.S. Route 101 to the west. Located in ZIP code 94124, this hidden gem sits between the trendy Bernal Heights and Bayview neighborhoods, offering bay views and urban grit that define authentic San Francisco living.
Silver Terrace has some of the lowest rates of children living in poverty of any neighborhood in the United States, making it a standout community for families. Residents describe it as a "safe, sunny little neighborhood with views of the Bay" featuring "mostly single-family homes with garages and backyards." The 84.4% of households with children appreciate the neighborhood's excellent walkability score of 90/100 and access to quality schools like Taylor Elementary just 15 minutes away.
Silver Terrace Real Estate Market 2026
Silver Terrace's median sale price of $843,000 represents a 6.6% year-over-year decline, creating opportunity for buyers in a neighborhood that's historically been more affordable than adjacent areas. The price per square foot of $681 is up 62.6% since last year, indicating strong underlying demand despite the price correction.
Expect 1-3 competing offers on well-priced single-family homes, typically selling at or slightly below asking price with standard contingencies and 30-day close timelines.
Recent 12-month data shows Silver Terrace at $940,000 versus $1.1M in neighboring Excelsior, though current 2026 data shows prices have corrected to $843,000, creating a buying opportunity in this value-oriented neighborhood.
Source: Redfin Q1 2026
Is Silver Terrace Right for You?
Silver Terrace, San Francisco suits different buyers in different ways. Here’s who thrives here — and who should consider alternatives.
Taylor Elementary School (54/100 rating) is 15 minutes away, Silver Terrace Playground is 5 minutes from home, and 84.4% of neighbors also have children creating a strong family community. The neighborhood's low child poverty rates and single-family homes with yards are ideal for raising kids.
SFUSD school assignment lottery system, some schools nearby have lower test scores
90/100 Walk Score means daily essentials within walking distance, excellent transit access (9/10 score) with multiple Muni lines, and 15-20 minute commute to downtown. Hey Neighbor Cafe and Word. A Cafe provide work-friendly spots.
Limited nightlife compared to Mission or SOMA, fewer trendy restaurants
Walkable neighborhood with Silver Avenue Family Health Center 9 minutes away, Foods Co grocery store 8 minutes walk, and strong community feel. Single-level options available in rowhouse stock.
Hilly terrain may be challenging for mobility issues, limited senior-specific amenities
Types of Homes in Silver Terrace
Silver Terrace features mostly single-family homes with garages and backyards, with 32.6% of homes classified as rowhouses or other attached homes, making it one of only 2.9% of U.S. neighborhoods with this high concentration.
Single-Family Detached Homes
Garages, backyards, bay views from hillside properties, authentic SF character
Older housing stock may need updates, steep streets
Rowhouses & Attached Homes
Lower price point, shared walls for efficiency, still often have small yards
Less privacy, potential noise from neighbors
How to Sell Silver Terrace to Your Clients
Ideal client match: Families with children seeking value and space, or professionals who want to own a real house in San Francisco without paying $1.5M+ for similar properties in Noe Valley or Bernal Heights.
5 Talking Points
- 1 90/100 Walk Score with Foods Co, Silver Produce, and restaurants within 10 minutes
- 2 84.4% of households have children – highest family concentration in SF
- 3 Median price $843K vs $1.2M+ in comparable neighborhoods like Bernal Heights
- 4 Single-family homes with actual garages and backyards – rare in SF under $1M
- 5 Taylor Elementary rated 54/100 and King Jr. Academic Middle rated 30.5/100 within walking distance
Handling Common Objections
Living in Silver Terrace, San Francisco
- Cinco de Mayo Taquería
- Cali-Phô-nia
- Pizza Joint
- El Toro Nightclub
15+ restaurants · $–$$
- Hey Neighbor Cafe
- Word. A Cafe
- Giant Scoop Café
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Silver Terrace Playground
· neighborhood playground
5-minute walk with play equipment and open space -
Palou Phelps Mini Park
· mini park
8-minute walk community gathering space -
Palou Community Garden
· community garden
resident gardening plots and neighborhood connection
- Foods Co
- Silver Produce
- San Bruno Supermarket
- Lee Recreation Center
- American Gymnastics Club
- Bernal Yoga
Annual events: Bayview District cultural festivals · Community garden seasonal celebrations
Schools Near Silver Terrace, San Francisco
Silver Terrace families navigate the SFUSD lottery system with nearby options including Taylor Elementary (5.4/10) and King Jr. Academic Middle (3.0/10). Many families also consider Drew College Preparatory Academy (0.8/10) and private options in the broader area.
Elementary Schools
15-minute walk, Math: 56%, Reading: 52% proficiency rates
GreatSchools 2025Middle Schools
13-minute walk, Math: 27%, Reading: 34% proficiency
GreatSchools 2025High Schools
4-minute walk, Math: 12%, Reading: 12% proficiency
GreatSchools 2025Private Schools Nearby
- Kinderhaus German International Preschool (International Preschool) — 4-minute walk, bilingual German-English education
Source: GreatSchools, SFUSD 2025
Commute from Silver Terrace
Silver Terrace offers excellent transit connectivity with multiple bus lines and T-Third Light Rail access, making downtown commutes manageable in 15-20 minutes.
Frequently Asked Questions: Silver Terrace, San Francisco
Answers to the most common questions homebuyers and realtors ask about Silver Terrace, San Francisco, California.
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The median sale price in Silver Terrace, San Francisco is $843,000 as of January 2026 (Redfin). The price per square foot is $681, giving buyers access to single-family homes with garages and backyards at prices significantly below neighboring areas like Bernal Heights.
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Yes, Silver Terrace is excellent for families and professionals seeking value and community. It has some of the lowest rates of children living in poverty of any U.S. neighborhood, 90/100 walkability, and excellent transit access while remaining more affordable than adjacent trendy neighborhoods.
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Excellent for families. Silver Terrace has some of the lowest child poverty rates in the United States, with 84.4% of households having children. Taylor Elementary (54/100) is walkable, Silver Terrace Playground is 5 minutes away, and single-family homes typically include yards for children to play.
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Taylor Elementary School rates 54/100 with 56% math and 52% reading proficiency, located 15 minutes walk away. King Jr. Academic Middle School (30.5/100) serves grades 6-8. The SFUSD lottery system applies, and many families also consider private options given the neighborhood's affordability savings.
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Silver Terrace has a Walk Score of 90/100 (Walker's Paradise). Foods Co grocery store is 8 minutes away, multiple restaurants within 10 minutes, and Silver Terrace Playground just 5 minutes walk from most homes.
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Residents describe it as a "safe, sunny little neighborhood with views of the Bay" with "mostly single-family homes with garages and backyards." Daily life involves walking to Foods Co for groceries, grabbing coffee at Hey Neighbor Cafe, and enjoying the strong family-oriented community atmosphere.
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Silver Terrace features mostly single-family homes with garages and backyards, plus 32.6% rowhouses or attached homes. Prices range $650K-$1.2M with typical sizes 1,000-1,800 square feet, offering more space than most San Francisco neighborhoods at this price point.
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Residents consistently describe Silver Terrace as "safe" with low crime rates typical of family-oriented San Francisco neighborhoods. The Bayview Police Station is 8 minutes away, and the high percentage of families with children creates natural community watch dynamics.
Neighborhoods Near Silver Terrace
Not sure Silver Terrace is the right fit? Compare these nearby San Francisco neighborhoods.
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Data sources: Redfin, Zillow, California Association of Realtors, US Census ACS 2023, GreatSchools, Walk Score, OpenStreetMap. Content generated 2026. Always verify current market data with a licensed real estate professional.