ZIP Code 94104 — San Francisco city, CA Demographics & Data

ZIP code 94104 covers San Francisco, CA in San Francisco County with a population of about 478.

At a glance, the area shows median age of 54.2 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 san francisco film school (0.1 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 94104 is about $49,896 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 36.5%; 48.2% of adults with a bachelor’s degree or higher (about 14.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Real estate; about 8.7% of workers reporting work-from-home (about 6.5 points below the U.S. share (15.2%)); a mean commute of about 157.0 minutes (U.S. average near 26.8).

Median home value is about $1,992,600 — about 472% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $783 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 30.8% (about 34.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94104 in San Francisco, CA, a household would need roughly $549,000 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 $12,800. That is about 1000% above the local median household income ($49,896), 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 24 for ZIP 94104 (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.