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San Francisco city, CA

ZIP 94122 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94122

Median Home Value
$1,507,100
Median Rent
$2,543
Affordability Snapshot
$415,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,681/mo PITI).

21%
Rent-to-Income Ratio

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

10.3x
Home Price-to-Income Ratio

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

49.4 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 94122 in San Francisco city, CA, a household would need roughly $415,000 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 $9,681. That is about 185% above the local median household income ($145,717), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
48.7%-26% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
19.7%+54% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$1,507,100
Home Value
$2,543
Rent
1943
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached24.0%
  • 1-unit attached25.4%
  • 2-9 units39.4%
  • 10+ units11.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,507,100
Median rent$2,543
Owner-occupied48.7%
Vacant7.4%
Price-to-income10.3x
Est. income to buy$415,000