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).
$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)
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 94109 | State median | US median | |
|---|---|---|---|
| Median home value | $1.07M | $702,573 | $289,727 |
| Median sale price | $1.30M | $696,000 | $325,000 |
| Median days on market | 24 days | 39 days | 51 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 →