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San Francisco city, CA

ZIP 94158 — 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 94158

Median Home Value
$1,501,100
Median Rent
$3,203
Affordability Snapshot
$413,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,643/mo PITI).

21%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

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

39.1 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 94158 in San Francisco city, CA, a household would need roughly $413,000 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 $9,643. That is about 124% above the local median household income ($184,294), 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
36.1%-45% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
2.3%-67% vs US avg
x
Rent Burden >30%
16.7%-66% vs US avg
x
Mortgage-Free
24.3%-36% vs US avg
x
$1,501,100
Home Value
$3,203
Rent
2009
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached2.4%
  • 1-unit attached0.2%
  • 2-9 units1.5%
  • 10+ units95.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,501,100
Median rent$3,203
Owner-occupied36.1%
Vacant7.4%
Price-to-income8.1x
Est. income to buy$413,000