ZIP Code 94102 — San Francisco, California

The median home in 94102 is valued at $1,039,000 against a median household income of $62,388, a price-to-income ratio of 16.7. That is far above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, which means a household earning the local median income cannot finance the local median home on conventional terms. Within San Francisco County, 94102 ranks 22 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 29.1% of median household income (median rent $1,512 a month), under the 30% cost-burden threshold.

94102 ranks 1,212 of 1,558 statewide on median household income and 297 of 1,558 on median home value; its income is far below the $145,931 San Francisco County median. 9% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 45% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 20.1%, far above the 10.8% statewide ZIP median. Unemployment stands at 7.8%.

With 48,681 residents per square mile across 0.7 square miles of land, 94102 is far denser than the statewide ZIP median of 1,120 (rank 3 of 1,558). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.