National Weather Service and private forecast models point to a typical late-summer marine layer regime over the San Francisco Bay Area, with onshore westerly flow and increasing low-level moisture expected to limit overnight radiative cooling and hold the minimum temperature in the mid-50s on August 28. Recent model runs show highs near 65°F under mostly cloudy skies with a slight shower chance, consistent with the cooling trend that began mid-week after warmer conditions earlier in August. Trader consensus clusters tightly around 56–61°F because small differences in cloud cover timing, wind speed, or marine layer depth—factors that vary across ensemble members—can shift the exact overnight low by a degree or two, while probabilities below 50°F or above 65°F reflect the low likelihood of strong offshore flow or clear-sky radiational cooling under current synoptic patterns. Updated NWS guidance and local observations overnight will refine these ranges before market resolution.