100 Montgomery St
100 Montgomery St is a 25-story building in Downtown San Francisco with 74% of its floor area within daylight reach of a facade. This screen estimates 408 homes and scores it 65 out of 100 for office-to-residential conversion suitability.
CA-11 · Screened 2026-10-12 · Worth a feasibility study
Also addressed as 110 Montgomery St, 120 Montgomery St, 124 Montgomery St, 80 Sutter St and 88 Sutter St: San Francisco’s address records place all 6 on this one footprint.
Where 100 Montgomery St is
Its block in Downtown San Francisco, drawn from San Francisco's own building outlines and street centerlines.
- Already housing
- Not screened
- 100 Montgomery St
This building does not pencil at default assumptions, even with a modeled RESIDE Act grant.
Every floor carries 5,690 sq ft of windowless core — area that must be gutted, seismically braced and sprinklered but can never be rented as an apartment. Across 24 residential floors that is 136,569 sq ft of cost carrying no revenue.
Modeled conversion metrics for 100 Montgomery St, 2026-10-12.
| Suitability scoreWorth a feasibility study | 65 / 100 |
|---|---|
| Storiesfrom 300 ft LiDAR (2010) height ÷ 12 ft floor-to-floor | 25 |
| Floor plateper floor, from the city footprint | 21,665 sq ft |
| Daylight efficiencyshare within 35 ft of a facade | 74% |
| Deepest interior pointviability threshold is 80 ft | 63 ft |
| Windowless coreper floor — renovated but never rentable | 5,690 sq ft |
| Estimated homesat 750 sq ft average | 408 |
| Conversion cost$405/sq ft all-in on 519,957 sq ft | $210.6M |
| Gap before grantshortfall against completed value | $61.3M |
| Modeled RESIDE grantat the statutory per-award cap | $10.0M |
| BuiltSan Francisco's own record of the construction year | 1955 |
| ZoningFinancial District/South Beach | C-3-O |
| Opportunity Zonenot in a 2018 designated tract | No |
The plan: window line, shape and floor rhythm
35 ft of exterior wall for each home the screen estimates — enough for two- and three-bedroom homes across the plan.
The typical floor has 599 ft of exterior wall, and across 24 residential floors the building carries 14,368 ft of it in total, divided among the 408 homes this screen estimates.
Its plate is compact at 0.76: close to a square or a circle, the most efficient envelope an office can have and the least generous one for apartments: little perimeter to divide among homes. How window line and plate shape are measured.
At the model’s 750 sq ft average, the plan works out at about 17.0 homes per floor, repeated on every residential floor, since this building's outline does not change as it rises.
Why 100 Montgomery St scores 65 out of 100
Daylight efficiency 67, Interior depth 42, Scale 100, Finance 59 — each out of 100, then weighted.
Score components for 100 Montgomery St. Points are the subscore times its weight.
| Component | Subscore | Weight | Points |
|---|---|---|---|
| Daylight efficiency74% of the floor area within 35 ft of a facade, scored from 40% up to 90% | 67 | 45% | 30.4 |
| Interior depthdeepest interior point 63 ft from a facade, scored from 80 ft down to 40 ft | 42 | 25% | 10.5 |
| Scale408 estimated homes, scored from 0 up to 150 | 100 | 15% | 15.0 |
| Financeremaining gap is 24% of conversion cost, scored from 60% down to 0% | 59 | 15% | 8.9 |
Most of what it earns comes from daylight efficiency, and what holds it back most is interior depth, at 42 out of 100: deepest interior point 63 ft from a facade, scored from 80 ft down to 40 ft.
Built in 1955
San Francisco records this building as going up in 1955, which puts it in the post-war stock.
As a rule, the period when plates got deep and facades became curtain wall: sealed glazing, lower floor-to-floor heights, and mechanical systems designed around a sealed box. Conversions here usually turn on whether the windows can be made to open and whether ceilings survive new plumbing. That is the era’s general tendency rather than a finding about this building — the model reads an outline and a height, and can see nothing inside — but it is the first thing an architect would want to know, and it colours how much confidence the 74% daylight figure above deserves.
What the conversion would cost
$405 per square foot all-in across 519,957 sq ft of converted floor, or $210.6M in total — about $516K for each of the 408 homes.
All-in cost per square foot for 100 Montgomery St: base cost plus the code work a change of use triggers.
| Base conversion cost | $260/sq ft |
|---|---|
| Seismic retrofit (change of use) | $45/sq ft |
| Plumbing risers to every unit | $40/sq ft |
| Operable windows and glazing | $30/sq ft |
| Additional egress stair | $18/sq ft |
| Fire sprinklers (NFPA 13R) | $12/sq ft |
| All-in | $405/sq ft |
That cost is charged across every converted square foot, including the 136,569 sq ft of windowless core, which has to be gutted, seismically braced and sprinklered like the rest of the building and then earns nothing. Against it the model sets a completed value of $366K a home, which for 408 homes is $149.3M.
What would have to be true
A $61.3M gap before any grant, $51.3M after the modeled one. The smallest single change that would close it: average unit size 26% down.
The shortfall before any grant is $61.3M. Closing it from the value side means each of the 408 homes finishing at $516K rather than the $366K the model assumes — 41% more. Closing it from the cost side means getting all-in cost down from $405 to $287 per square foot.
A modeled RESIDE grant of $10.0M moves that threshold to $492K a home. That is still above the $366K assumed, leaving $51.3M uncovered, which is why the grant does not unlock this one.
Nor do all four levers have to move. For 100 Montgomery St, one alone would close the gap at:
Single-assumption flip points for 100 Montgomery St, each holding the other three at their defaults.
| Average unit sizethe binding constraint — the least this building would need | 26% downto 559 sq ft |
|---|---|
| Completed value per home | 34% upto $492K |
| Conversion cost per square foot | 38% downto $161/sq ft |
All four are sliders in the survey, where 100 Montgomery St re-scores against your own numbers.
How it compares in Downtown San Francisco
100 Montgomery St ranks 163rd of the 205 buildings screened here, against a median score of 87.
Its floor plate is better lit than 18% of them, and shallower than 22% of them at its deepest interior point. On size it is the 31st largest by estimated homes. The full survey of all 205 buildings ranks and maps every one of them, and the list by address links each to its own page.
Within Financial District/South Beach and the C-3-O zone
133rd of 165 in Financial District/South Beach, 82nd of 88 zoned C-3-O — the comparison that shares its rules, rents and streets.
San Francisco places 165 of the screened buildings in Financial District/South Beach. 100 Montgomery St ranks 133rd of them against a median score of 88. 121 score 70 or more, their median deepest interior point is 47 ft from a facade against this building’s 63 ft, and together they would hold an estimated 40,456 homes. The group’s top scorer is 870 Market St, at 100.
88 of the screened buildings are zoned C-3-O. 100 Montgomery St ranks 82nd of them against a median score of 89. 76 score 70 or more, their median deepest interior point is 44 ft from a facade against this building’s 63 ft, and together they would hold an estimated 21,444 homes. The group’s top scorer is 266 Bush St, at 100.
Its nearest match in size: 199 Fremont St
The screened building closest to 100 Montgomery St in converted floor area is 199 Fremont St: 521,057 sq ft over 25 stories, against 519,957 sq ft over 25 here.
The two land within a few points of each other — 65 here, 67 there — so at this size the screen reads them as much the same prospect. On the money they sit in the same place: each falls short even with the modeled grant. The two stand about 2,000 ft apart.
Would it qualify for a RESIDE Act grant?
The model awards 100 Montgomery St $10.0M, on the assumption it qualifies. Whether it does, no published dataset can say.
That figure assumes the building meets the Act’s vacant-and-abandoned test, which turns on code-enforcement and receivership records no city publishes.
It does not sit in a 2018 designated Opportunity Zone, so it would not draw that Section 201 priority.
Other buildings screened near 100 Montgomery St
The 4 closest the screen also covers, from 160 ft away. They are the colored outlines on the plan at the top of this page.
- 295 Bush St25 stories · 85% daylit · 284 estimated homes · scores 83/100 (Strong candidate)about 160 ft away
- 1 Sansome St41 stories · 81% daylit · 528 estimated homes · scores 76/100 (Strong candidate)about 170 ft away
- 101 Montgomery St28 stories · 100% daylit · 290 estimated homes · scores 100/100 (Strong candidate)about 180 ft away
- 44 Montgomery St43 stories · 88% daylit · 787 estimated homes · scores 89/100 (Strong candidate)about 200 ft away
A screen, not a feasibility study, from outlines and heights rather than plans: the method and how to correct a figure. If you know this building’s interior, you know what this model cannot see.