ZIP Code 94105 — San Francisco, California

The median home in 94105 is valued at $1,455,500 against a median household income of more than $250,000 (the Census reporting ceiling), a price-to-income ratio of 5.8. That is below 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, though it is among the more attainable ratios in the state. Within San Francisco County, 94105 ranks 1 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 16.5% of median household income (median rent $3,431 a month), under the 30% cost-burden threshold.

94105 ranks 1 of 1,558 statewide on median household income and 128 of 1,558 on median home value; its income is far above the $145,931 San Francisco County median. 39% of households own their home, below the 64% statewide ZIP median, so most residents rent. 82% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.0%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 5.1%.

With 27,444 residents per square mile across 0.5 square miles of land, 94105 is far denser than the statewide ZIP median of 1,120 (rank 15 of 1,558). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.