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San Francisco city, CA

ZIP 94124 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94124

Median Home Value
$1,043,200
Median Rent
$1,181
Affordability Snapshot
$287,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,701/mo PITI).

17%
Rent-to-Income Ratio

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

12.6x
Home Price-to-Income Ratio

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

73.6 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 94124 in San Francisco city, CA, a household would need roughly $287,000 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 $6,701. That is about 246% above the local median household income ($82,928), 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
50.4%-23% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
11.5%-10% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.0%-46% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$1,043,200
Home Value
$1,181
Rent
1966
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 detached35.5%
  • 1-unit attached22.7%
  • 2-9 units22.1%
  • 10+ units18.9%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,043,200
Median rent$1,181
Owner-occupied50.4%
Vacant6.8%
Price-to-income12.6x
Est. income to buy$287,000