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Area data

San francisco, CA — ZIP 94109

Population: 54,553 (Census ACS)

The median home value in ZIP 94109 (San francisco, CA) is $1.07M — up 8.2% over the past year. Homes sell for a median $1.30M after a median 24 days on market. Typical rent runs $3,811/month. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very High, with earthquake, inlandflooding, landslide the top-rated hazards. Cost of living is 13.3% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$1.07M

Median home value

+8.2%

1-year change

24

Median days on market

Very High

Hazard risk (county)

Home values & appreciation

Median home value
$1.07M
1-year appreciation
+8.2%
3-year appreciation
+3.1%
5-year appreciation
-7.7%
10-year appreciation
-9.4%
All-time peak (2020-01)
$1.22M
House Price Index (state)
417.4 (-0.8% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$1.30M
Median list price
$1.20M
Median price per sqft
$1,127
1-year sale-price change
+18.1%
Median days on market
24 days
Homes sold (recent period)
95
For-sale inventory
91
Sale-to-list ratio
105.6%
Active listings
72
1-year forecast
0.0%
Days to pending
27 days
New listings (monthly)
32

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$3,811/mo
1-year rent change
+25.4%
Studio fair-market rent
$1,495/mo
1BR fair-market rent
$1,869/mo
2BR fair-market rent
$2,330/mo
3BR fair-market rent
$3,029/mo
4BR fair-market rent
$3,495/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
113.3 (100 = US avg)
Electricity rate (state-level)
32.5¢/kWh
Natural gas rate (state-level)
$22.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
2
Middle schools
0
High schools
1
Schools include
Galileo High, Redding Elementary, Spring Valley Elementary

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very High
Top hazards (county)
earthquake, inlandFlooding, landslide, coastalFlooding, drought
Notable hazard ratings (county)
coastalFlooding: Relatively Moderate · drought: Relatively Moderate · earthquake: Very High · heatWave: Relatively Moderate · inlandFlooding: Relatively High · landslide: Relatively High
FEMA flood zone
A
Flood risk level
High
Wildfire risk to homes (county)
Higher than 54% of US counties
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Alameda Naval Air Station (5.1 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
57.0°F
Average high
62.0°F
Average low
51.0°F
Annual precipitation
34.7 in
USDA plant hardiness zone
10b (extreme annual low 35 to 40°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
32
Days with Good air quality
299
Days with Moderate air quality
65
Highest AQI recorded (year)
117

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
16.5 / 20
Transit service frequency
135
Jobs reachable by car (30 min)
181,858
Jobs reachable by transit (45 min)
96,552

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
11
Nearest national park
San Francisco Maritime National Historical Park (1 mi)
National parks include
San Francisco Maritime National Historical Park, Alcatraz Island, Presidio of San Francisco
Airports within 30 mi
12
Nearest airport
San Francisco Bay Oakland International Airport (OAK) (12 mi)
Nearest major airport
San Francisco Bay Oakland International Airport (OAK) (12 mi)
Hospitals nearby (~15 mi)
2
Hospitals include
CALIFORNIA PACIFIC MEDICAL CENTER- VAN NESS CAMPUS, UCSF HEALTH SAINT FRANCIS HOSPITAL
Avg hospital rating (CMS)
2.5 / 5
Best hospital rating nearby (CMS)
3.0 / 5
EV charging stations (within 10 mi)
630
Solar radiation rating
Fair (4.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-4,384 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,938
Housing built before 1970
74.7%
Housing built 2000 or later
7.7%
Median annual property tax
$10,001
Mean commute to work
20 min
Households with broadband internet
78.5%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
617,513
Average weekly wage
$3,358
Top industries (by employment)
Professional Services, Health Care, Accommodation & Food
Annual residential building permits (county)
27

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 94109State medianUS median
Median home value$1.07M$702,573$289,727
Median sale price$1.30M$696,000$325,000
Median days on market24 days39 days51 days
Typical rent$3,811/mo$2,767/mo$1,808/mo
Median annual property tax$10,001$4,533$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 94109?
$1.07M.
What is the median sale price in ZIP 94109?
$1.30M.
How long do homes take to sell in ZIP 94109?
Median days on market: 24 days.
What is typical rent in ZIP 94109?
Typical rent: $3,811/month.
What is the natural-hazard risk in ZIP 94109?
Overall risk: Very High (FEMA NRI, county-level). Top hazards: earthquake, inlandFlooding, landslide, coastalFlooding, drought.
Is ZIP 94109 in a flood zone?
High (FEMA NFIP). FEMA flood zone A.
What is the wildfire risk in ZIP 94109?
Risk to homes is higher than 54% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 94109?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 94109?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 94109?
3 schools (2 elementary, 1 high) (NCES, 2022-23).
Is ZIP 94109 walkable?
Walkability index: 16.5/20 (EPA Smart Location Database).
What is the air quality in ZIP 94109?
Good. Median AQI: 32. (EPA AQI).
What is the cost of living in ZIP 94109?
Regional Price Parity: 113.3 (100 = US average) (High) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

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