ZIP Code 94103 — San Francisco, California

The median home in 94103 is valued at $1,065,100 against a median household income of $111,028, a price-to-income ratio of 9.6. That is 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, so buying here on a local median income requires substantial savings or a second income. Within San Francisco County, 94103 ranks 13 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 20.8% of median household income (median rent $1,921 a month), under the 30% cost-burden threshold.

94103 ranks 443 of 1,558 statewide on median household income and 275 of 1,558 on median home value; its income is below the $145,931 San Francisco County median. 21% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 56% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 18.8%, far above the 10.8% statewide ZIP median. Unemployment stands at 4.8%.

With 23,143 residents per square mile across 1.4 square miles of land, 94103 is far denser than the statewide ZIP median of 1,120 (rank 21 of 1,558). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.