94109
San Francisco, California.
San Francisco, San Francisco County, CA · San Francisco-Oakland-Berkeley, CA metro · population 54,553
to buy the typical home at today's mortgage rate — +$1,283 (+30%) since Jan 2020.
- 1 year
- Up $117,124 +12%
- $955,324$1,072,448 since Sep 2025
- 5 years
- Down $69,204 -6%
- $1,141,652$1,072,448 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 94109$5,629
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in zip 94109 rose 12.3% over the past year — faster than the nation's +1.2%.
Asking rents in zip 94109 rose 28.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 94109 runs $3,256/mo more than renting one. The gap peaked at $4,566 in Oct 2022.
That is $7,409 a month against $4,154 rent: a $5,629 mortgage payment, plus $632 property tax and $1,148 insurance & upkeep.
Owning vs renting — zip 94109
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$7,409
- Renting$4,154
- Mortgage only$5,629
Property tax · $632/mo 0.71% of value a year — the ACS 2020-2024 median bill over the median home value for San Francisco County, CA
Insurance & upkeep · $1,148/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: San Francisco, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 94109
Against the San Francisco-Oakland-Berkeley, CA metro and the national benchmark.
- 94109$4,154
- San Francisco$3,445
- United States$1,932
Typical home value — 94109
Mid-tier homes, smoothed and seasonally adjusted.
- 94109$1,072,448
- San Francisco$1,120,379
- United States$366,157
Within 20 miles
Showing 30 of 100 zips in range — sorting picks from all 100.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 0.7 | 94108 | San Francisco | 11,305 | $3,750 | $1,048,767 |
| 0.8 | 94133 | San Francisco | 23,804 | $4,751 | $1,409,236 |
| 1.0 | 94102 | San Francisco | 35,976 | $3,768 | $742,447 |
| 1.0 | 94123 | San Francisco | 24,054 | $5,415 | $2,552,945 |
| 1.0 | 94115 | San Francisco | 32,629 | $4,892 | $1,576,421 |
| 1.1 | 94104 | San Francisco | 498 | — | $1,149,328 |
| 1.2 | 94111 | San Francisco | 4,579 | — | $1,143,435 |
| 1.3 | 94105 | San Francisco | 13,861 | $5,991 | $1,130,548 |
| 1.5 | 94103 | San Francisco | 34,964 | $4,540 | $827,104 |
| 2.0 | 94117 | San Francisco | 36,198 | $5,351 | $1,702,811 |
| 2.2 | 94158 | San Francisco | 11,314 | $5,627 | $1,380,642 |
| 2.4 | 94118 | San Francisco | 39,130 | $4,672 | $2,309,259 |
| 2.4 | 94107 | San Francisco | 31,823 | $5,099 | $1,054,806 |
| 2.5 | 94129 | San Francisco | 3,836 | $6,382 | $1,785,111 |
| 2.6 | 94114 | San Francisco | 33,020 | $5,626 | $2,048,564 |
| 3.0 | 94110 | San Francisco | 66,865 | $4,931 | $1,446,124 |
| 3.4 | 94130 | San Francisco | 2,429 | $3,890 | — |
| 3.5 | 94131 | San Francisco | 28,504 | $5,022 | $1,784,754 |
| 4.1 | 94122 | San Francisco | 55,819 | $4,207 | $1,740,129 |
| 4.2 | 94121 | San Francisco | 41,995 | $4,486 | $1,862,908 |
| 4.5 | 94127 | San Francisco | 20,288 | $6,083 | $2,055,660 |
| 4.7 | 94124 | San Francisco | 34,475 | $4,293 | $938,112 |
| 4.9 | 94116 | San Francisco | 43,791 | $5,020 | $1,646,701 |
| 5.2 | 94112 | San Francisco | 79,277 | $4,080 | $1,183,444 |
| 5.2 | 94134 | San Francisco | 38,633 | $4,417 | $1,093,615 |
| 6.0 | 94132 | San Francisco | 26,859 | $3,276 | $1,403,427 |
| 6.7 | 94607 | Oakland | 28,804 | $2,742 | $513,751 |
| 6.9 | 94920 | Belvedere Tiburon | 12,609 | $7,071 | $3,404,730 |
| 7.1 | 94965 | Sausalito | 11,724 | $3,984 | $1,591,406 |
| 7.2 | 94014 | Daly City | 45,315 | $3,518 | $1,003,938 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.