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San Francisco city, CA

ZIP 94102 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94102

Median Home Value
$996,300
Median Rent
$1,470
Affordability Snapshot
$274,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,400/mo PITI).

27%
Rent-to-Income Ratio

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

15.4x
Home Price-to-Income Ratio

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

56.5 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 94102 in San Francisco city, CA, a household would need roughly $274,000 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 $6,400. That is about 323% above the local median household income ($64,781), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
8.6%-87% vs US avg
x
Vacancy Rate
15.6%+51% vs US avg
x
Broadband Access
82.5%-5% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$996,300
Home Value
$1,470
Rent
1941
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached1.4%
  • 1-unit attached1.4%
  • 2-9 units11.5%
  • 10+ units85.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$996,300
Median rent$1,470
Owner-occupied8.6%
Vacant15.6%
Price-to-income15.4x
Est. income to buy$274,000