ZIP Code 94109 — San Francisco city, CA Demographics & Data

ZIP code 94109 covers San Francisco, CA in San Francisco County with a population of about 54,397.

At a glance, the area shows median age of 38.9 (near the U.S. median).

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 (1.1 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 94109 is about $112,201 — about 49% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.1%; unemployment rate near 6.2%; 65.2% of adults with a bachelor’s degree or higher (about 31.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Finance and insurance, and Healthcare; about 28.1% of workers reporting work-from-home (about 12.9 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 $1,390,000 — about 299% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,110 (about 81% above the U.S. median rent ($1,163)), and owner-occupancy near 18.1% (about 47.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94109 in San Francisco, CA, a household would need roughly $383,000 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 $8,929. That is about 241% above the local median household income ($112,201), 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 2,677 for ZIP 94109 (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.