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San Francisco city, CA

ZIP 94132 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94132

Median Home Value
$1,458,700
Median Rent
$2,341
Affordability Snapshot
$402,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,370/mo PITI).

24%
Rent-to-Income Ratio

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

12.3x
Home Price-to-Income Ratio

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

51.9 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 94132 in San Francisco city, CA, a household would need roughly $402,000 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 $9,370. That is about 239% above the local median household income ($118,557), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (32% built before 1939)

Owner Occupied
46.4%-29% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
31.7%+148% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
32.9%-34% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$1,458,700
Home Value
$2,341
Rent
1951
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached30.7%
  • 1-unit attached22.8%
  • 2-9 units10.7%
  • 10+ units35.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,458,700
Median rent$2,341
Owner-occupied46.4%
Vacant10.3%
Price-to-income12.3x
Est. income to buy$402,000