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San Francisco city, CA

ZIP 94127 — 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 94127

Median Home Value
$1,897,700
Median Rent
$3,501
Affordability Snapshot
$522,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,190/mo PITI).

20%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

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

45.2 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 94127 in San Francisco city, CA, a household would need roughly $522,000 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 $12,190. That is about 154% above the local median household income ($205,429), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
5.4%-47% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
11.2%-24% vs US avg
x
Built Pre-1939
14.1%+10% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.0%-72% vs US avg
x
Mortgage-Free
36.9%-3% vs US avg
x
$1,897,700
Home Value
$3,501
Rent
1938
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached71.1%
  • 1-unit attached18.1%
  • 2-9 units6.7%
  • 10+ units4.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,897,700
Median rent$3,501
Owner-occupied81.8%
Vacant5.4%
Price-to-income9.2x
Est. income to buy$522,000