When San Francisco's Planning Department announced plans last month to increase housing density allowances in the Mission District and along the Valencia Corridor, Maria Chen thought back to 1998, when she and her husband bought their modest two-bedroom cottage on 24th Street for $385,000. Today, identical homes in the neighborhood fetch upward of $1.8 million. She's not celebrating.
"Everyone says we need more housing," Chen said during a community forum at the Mission Cultural Center last week. "But nobody's building affordable units. They're building luxury condos, and families like mine—we can't stay."
Chen's frustration echoes across neighborhoods as the city grapples with its most ambitious zoning overhaul in decades. The proposed changes would allow up to six-story buildings in areas currently zoned for two to three stories, a shift aimed at unlocking an estimated 80,000 new housing units by 2035. Yet residents from the Excelsior to the Richmond District worry the policy addresses supply without protecting existing communities from displacement.
Data supports their concern. Median rents in San Francisco now exceed $3,100 per month for a one-bedroom—a 23 percent increase since 2022. Meanwhile, the city's non-white population has dropped from 60 percent in 2000 to 48 percent today, according to the Planning Department's own demographic analysis.
At a June 24th hearing before the Board of Supervisors, residents demanded concrete rent-control expansions and community benefits agreements before any upzoning moves forward. Josefina Ramirez, who runs a food pantry on Mission Street, presented petition signatures from over 3,000 neighbors.
"We're not against housing," Ramirez said. "We're against being erased from our own city."
The Planning Department counters that inaction accelerates displacement more than development. "Supply constraints drive prices up," said interim director Jessica Ho during the same hearing. "Without zoning reform, we're guaranteeing more neighborhoods become unaffordable."
The debate mirrors similar conflicts unfolding in Los Angeles and Oakland, yet San Francisco's extreme prices make the stakes uniquely acute. A proposed amendment requiring 25 percent affordable units in new developments faces pushback from builders, who argue it makes projects unfeasible.
The Board is expected to vote on the upzoning proposal by late July. Community organizations have already begun organizing, hoping to extract stronger protections before the vote. Whether residents can shape the outcome—rather than simply react to it—may define San Francisco's character for the next generation.
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