ZIP Code 94102 — San Francisco city, CA Demographics & Data

ZIP code 94102 covers San Francisco, CA in San Francisco County with a population of about 34,983.

At a glance, the area shows median age of 41.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 415, 628; U.S. House district CA-11; the SAN FRANCISCO - OAK - SAN JOSE media market.

San Francisco, CA sits in a university / college context (near university of california college of the law-san francisco (0.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 94102 is about $64,781 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.4%; unemployment rate near 8.1%; 42.2% of adults with a bachelor’s degree or higher (about 8.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Food services, and Healthcare; about 22.5% of workers reporting work-from-home (about 7.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $996,300 — about 186% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,470 (about 26% above the U.S. median rent ($1,163)), and owner-occupancy near 8.6% (about 56.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94102 in San Francisco, CA, a household would need roughly $274,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,400. That is about 323% above the local median household income ($64,781), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for San Francisco city, CA as Very High (composite score 99.5), which is among the highest nationally. The strongest component scores on US5 are flood (98.6) and wildfire (28.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for San Francisco city, CA show little to no average snow and around 22.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,722 for ZIP 94102 (San Francisco city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.