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San Francisco city, CA

ZIP 94104 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94104

Median Home Value
$1,992,600
Median Rent
$783
Affordability Snapshot
$549,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$12,800/mo PITI).

19%
Rent-to-Income Ratio

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

39.9x
Home Price-to-Income Ratio

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

212.1 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 94104 in San Francisco city, CA, a household would need roughly $549,000 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 $12,800. That is about 1000% above the local median household income ($49,896), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
30.8%-53% vs US avg
x
Vacancy Rate
10.5%+2% vs US avg
x
Broadband Access
71.1%-18% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
49.4%+29% vs US avg
x
$1,992,600
Home Value
$783
Rent
1938
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached0.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units95.2%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,992,600
Median rent$783
Owner-occupied30.8%
Vacant10.5%
Price-to-income39.9x
Est. income to buy$549,000