401 Kearny St

401 Kearny St is a 5-story building in Downtown San Francisco with 78% of its floor area within daylight reach of a facade. This screen estimates 62 homes and scores it 68 out of 100 for office-to-residential conversion suitability.

CA-11 · Screened 2026-10-12 · Worth a feasibility study

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Also addressed as 411 Kearny St, 415 Kearny St, 433 Kearny St and 500 Pine St: San Francisco’s address records place all 5 on this one footprint.

Where 401 Kearny St is

Its block in Downtown San Francisco, drawn from San Francisco's own building outlines and street centerlines.

350 Bush St: scores 100 out of 100601 California St: scores 81 out of 100720 California St: scores 74 out of 100580 California St: scores 72 out of 100636 California St: scores 71 out of 100530 California St: scores 67 out of 1001008168CALIFORNIA STKEARNY STQUINCY STPINE STGRANT AVEBELDEN STVINTON CTN100 ftDowntown San Francisco
Suitability score
0–29
30–49
50–69
70–100
  • Already housing
  • Not screened
  • 401 Kearny St
401 Kearny St and the 1,000 ft of Downtown San Francisco around it. The streets are drawn at the width of the right-of-way they run down, sidewalks included, and named, and every building on these blocks is drawn. What is left open and stippled is neither: a surface lot, a plaza or a vacant parcel. The screened buildings are colored by the ramp above, the same one the district map uses, carry their score, and each is a link to its own page. Each casts a shadow as long as its measured height lets it, so towers stand out from the low buildings around them; the unscreened buildings have no measured height and cast none. 401 Kearny St is outlined in its own score color at the outline it covers at ground level. Its windowless core is hatched. The inset places it among every building the screen covers.
56 ftAA50 ftDaylit 78%Core 4,038 sq ft
Floor plan: 78% of each floor sits within daylight reach of a facade. The shading is daylight, darkest at the windows and gone 35 ft in. The hatched area is windowless core: 4,038 sq ft per floor that must be renovated but can never be rented as an apartment. The dimension marks the deepest interior point, 56 ft from the nearest window. A–A is where the section beside it is cut.
No homesWindowless coreDaylit5 floors50 ft
Section A–A: cut across the depth of the plate, through the middle of the core. Daylight reaches 35 ft in from every facade, fading as it goes, and the hatched stripe left between the lit edges is floor that gets converted and can never be rented: 4,038 sq ft on the floor the screen scores, and 16,152 sq ft over 4 residential floors. The shaded ground floor is converted like the rest and counted as no homes.

This building does not pencil at default assumptions, even with a modeled RESIDE Act grant.

Every floor carries 4,038 sq ft of windowless core — area that must be gutted, seismically braced and sprinklered but can never be rented as an apartment. Across 4 residential floors that is 16,152 sq ft of cost carrying no revenue.

Height not confirmed. The city's 2010 LiDAR survey records this footprint at ground level, which usually means the building went up after 2010. The model uses the 5 floors on the 2025 Assessor roll and draws the building 60 ft tall from them.

Modeled conversion metrics for 401 Kearny St, 2026-10-12.

Suitability scoreWorth a feasibility study68 / 100
Storiesfrom 60 ft LiDAR (2010) height ÷ 12 ft floor-to-floor5
Floor plateper floor, from the city footprint18,613 sq ft
Daylight efficiencyshare within 35 ft of a facade78%
Deepest interior pointviability threshold is 80 ft56 ft
Windowless coreper floor — renovated but never rentable4,038 sq ft
Estimated homesat 750 sq ft average62
Conversion cost$405/sq ft all-in on 74,451 sq ft$30.2M
Gap before grantshortfall against completed value$7.5M
Modeled RESIDE grantbelow the statutory cap$3.7M
BuiltSan Francisco's own record of the construction year2017
ZoningFinancial District/South BeachC-3-O
Opportunity Zonenot in a 2018 designated tractNo

The plan: window line, shape and floor rhythm

36 ft of exterior wall for each home the screen estimates — enough for two- and three-bedroom homes across the plan.

The typical floor has 556 ft of exterior wall, and across 4 residential floors the building carries 2,226 ft of it in total, divided among the 62 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 15.5 homes per floor, repeated on every residential floor, since this building's outline does not change as it rises.

Why 401 Kearny St scores 68 out of 100

Daylight efficiency 77, Interior depth 60, Scale 41, Finance 79 — each out of 100, then weighted.

Score components for 401 Kearny St. Points are the subscore times its weight.

ComponentSubscoreWeightPoints
Daylight efficiency78% of the floor area within 35 ft of a facade, scored from 40% up to 90%7745%34.5
Interior depthdeepest interior point 56 ft from a facade, scored from 80 ft down to 40 ft6025%15.0
Scale62 estimated homes, scored from 0 up to 1504115%6.2
Financeremaining gap is 12% of conversion cost, scored from 60% down to 0%7915%11.9

Most of what it earns comes from daylight efficiency, and what holds it back most is scale, at 41 out of 100: 62 estimated homes, scored from 0 up to 150.

Built in 2017

San Francisco records this building as going up in 2017, which puts it in the modern stock.

As a rule, newer systems and better structure, but usually built deep and sealed for office use, and rarely cheap enough to buy at a price that lets a conversion pencil. 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 78% daylight figure above deserves.

What the conversion would cost

$405 per square foot all-in across 74,451 sq ft of converted floor, or $30.2M in total — about $486K for each of the 62 homes.

All-in cost per square foot for 401 Kearny 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 16,152 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 62 homes is $22.7M.

What would have to be true

A $7.5M gap before any grant, $3.7M after the modeled one. The smallest single change that would close it: average unit size 12% down.

The shortfall before any grant is $7.5M. Closing it from the value side means each of the 62 homes finishing at $486K rather than the $366K the model assumes — 33% more. Closing it from the cost side means getting all-in cost down from $405 to $305 per square foot.

A modeled RESIDE grant of $3.7M moves that threshold to $426K a home. That is still above the $366K assumed, leaving $3.7M uncovered, which is why the grant does not unlock this one.

Nor do all four levers have to move. For 401 Kearny St, one alone would close the gap at:

Single-assumption flip points for 401 Kearny St, each holding the other three at their defaults.

Average unit sizethe binding constraint — the least this building would need12% downto 657 sq ft
Circulation efficiency14% upto 91%
Completed value per home16% upto $426K
Conversion cost per square foot19% downto $210/sq ft

All four are sliders in the survey, where 401 Kearny St re-scores against your own numbers.

How it compares in Downtown San Francisco

401 Kearny St ranks 156th of the 205 buildings screened here, against a median score of 87.

Its floor plate is better lit than 29% of them, and shallower than 38% of them at its deepest interior point. On size it is the 159th 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

127th of 165 in Financial District/South Beach, 80th 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. 401 Kearny St ranks 127th 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 56 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. 401 Kearny St ranks 80th 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 56 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: 725 Market St

The screened building closest to 401 Kearny St in converted floor area is 725 Market St: 74,888 sq ft over 6 stories, against 74,451 sq ft over 5 here.

401 Kearny St scores 68 to its 90, and with the size held roughly equal most of that shortfall comes from daylight efficiency: 77 out of 100 here, 100 there (94% of the floor area within 35 ft of a facade, scored from 40% up to 90%). On the money they part ways: 725 Market St pencils only with the modeled RESIDE grant, while 401 Kearny St falls short even with the modeled grant. The two stand about 1,900 ft apart.

Would it qualify for a RESIDE Act grant?

The model awards 401 Kearny St $3.7M, 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 401 Kearny St

The 4 closest the screen also covers, from 140 ft away. They are the colored outlines on the plan at the top of this page.

  • 601 California St
    22 stories · 83% daylit · 265 estimated homes · scores 81/100 (Strong candidate)
    about 140 ft away
  • 636 California St
    33 stories · 79% daylit · 444 estimated homes · scores 71/100 (Strong candidate)
    about 370 ft away
  • 580 California St
    23 stories · 80% daylit · 304 estimated homes · scores 72/100 (Strong candidate)
    about 390 ft away
  • 350 Bush St
    19 stories · 100% daylit · 161 estimated homes · scores 100/100 (Strong candidate)
    about 470 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.