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San Francisco city, CA

ZIP 94115 — 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 94115

Median Home Value
$1,684,100
Median Rent
$2,318
Affordability Snapshot
$464,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,818/mo PITI).

18%
Rent-to-Income Ratio

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

10.9x
Home Price-to-Income Ratio

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

60.5 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 94115 in San Francisco city, CA, a household would need roughly $464,000 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 $10,818. That is about 201% above the local median household income ($154,264), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
24.8%-62% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
15.2%-69% vs US avg
x
Mortgage-Free
34.8%-9% vs US avg
x
$1,684,100
Home Value
$2,318
Rent
1949
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 detached7.4%
  • 1-unit attached4.1%
  • 2-9 units38.2%
  • 10+ units50.2%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,684,100
Median rent$2,318
Owner-occupied24.8%
Vacant13.4%
Price-to-income10.9x
Est. income to buy$464,000