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San Francisco city, CA

ZIP 94109 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94109

Median Home Value
$1,390,000
Median Rent
$2,110
Affordability Snapshot
$383,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,929/mo PITI).

23%
Rent-to-Income Ratio

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

12.4x
Home Price-to-Income Ratio

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

54.9 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 94109 in San Francisco city, 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.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
18.1%-72% vs US avg
x
Vacancy Rate
18.3%+78% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$1,390,000
Home Value
$2,110
Rent
1938
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached2.6%
  • 1-unit attached1.1%
  • 2-9 units19.3%
  • 10+ units77.0%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,390,000
Median rent$2,110
Owner-occupied18.1%
Vacant18.3%
Price-to-income12.4x
Est. income to buy$383,000