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San Francisco city, CA

ZIP 94105 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94105

Median Home Value
$1,461,700
Median Rent
$3,501
Affordability Snapshot
$402,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,390/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 94105 in San Francisco city, CA, a household would need roughly $402,000 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 $9,390. That is about 68% above the local median household income ($239,781), 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.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
37.5%-43% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
98.2%+13% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.6%-96% vs US avg
x
Built Post-2014
2.7%-60% vs US avg
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
23.3%-39% vs US avg
x
$1,461,700
Home Value
$3,501
Rent
2008
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached6.2%
  • 1-unit attached0.3%
  • 2-9 units1.4%
  • 10+ units92.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,461,700
Median rent$3,501
Owner-occupied37.5%
Vacant14.1%
Price-to-income6.1x
Est. income to buy$402,000