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San Francisco city, CA

ZIP 94131 — 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 94131

Median Home Value
$1,749,500
Median Rent
$2,790
Affordability Snapshot
$482,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,238/mo PITI).

17%
Rent-to-Income Ratio

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

8.8x
Home Price-to-Income Ratio

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

52.3 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 94131 in San Francisco city, CA, a household would need roughly $482,000 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 $11,238. That is about 142% above the local median household income ($198,779), 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
54.0%-17% vs US avg
x
Vacancy Rate
9.3%-9% vs US avg
x
Broadband Access
96.9%+11% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.1%-72% vs US avg
x
Mortgage-Free
34.9%-9% vs US avg
x
$1,749,500
Home Value
$2,790
Rent
1962
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached33.9%
  • 1-unit attached16.7%
  • 2-9 units25.3%
  • 10+ units23.6%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,749,500
Median rent$2,790
Owner-occupied54.0%
Vacant9.3%
Price-to-income8.8x
Est. income to buy$482,000