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San Francisco city, CA

ZIP 94108 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94108

Median Home Value
$1,207,500
Median Rent
$1,521
Affordability Snapshot
$332,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,757/mo PITI).

29%
Rent-to-Income Ratio

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

18.9x
Home Price-to-Income Ratio

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

66.2 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 94108 in San Francisco city, CA, a household would need roughly $332,000 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 $7,757. That is about 420% above the local median household income ($63,864), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
9.1%-86% vs US avg
x
Vacancy Rate
18.2%+76% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
21.6%-57% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$1,207,500
Home Value
$1,521
Rent
1938
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached1.3%
  • 1-unit attached0.7%
  • 2-9 units19.9%
  • 10+ units78.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,207,500
Median rent$1,521
Owner-occupied9.1%
Vacant18.2%
Price-to-income18.9x
Est. income to buy$332,000