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San Francisco city, CA

ZIP 94118 — 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 94118

Median Home Value
$1,817,200
Median Rent
$2,594
Affordability Snapshot
$500,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,673/mo PITI).

20%
Rent-to-Income Ratio

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

11.4x
Home Price-to-Income Ratio

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

58.4 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 94118 in San Francisco city, CA, a household would need roughly $500,000 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 $11,673. That is about 213% above the local median household income ($159,550), 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
36.3%-45% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
40.1%+5% vs US avg
x
$1,817,200
Home Value
$2,594
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached15.6%
  • 1-unit attached10.7%
  • 2-9 units52.3%
  • 10+ units21.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,817,200
Median rent$2,594
Owner-occupied36.3%
Vacant10.8%
Price-to-income11.4x
Est. income to buy$500,000