ZIP Code 94112 — San Francisco, California

The median home in 94112 is valued at $1,144,800 against a median household income of $120,731, a price-to-income ratio of 9.5. 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, 94112 ranks 11 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 21.6% of median household income (median rent $2,171 a month), under the 30% cost-burden threshold.

94112 ranks 339 of 1,558 statewide on median household income and 222 of 1,558 on median home value; its income is below the $145,931 San Francisco County median. 68% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 36% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 9.0%, below the 10.8% statewide ZIP median. Unemployment stands at 6.6%.

With 24,509 residents per square mile across 3.3 square miles of land, 94112 is far denser than the statewide ZIP median of 1,120 (rank 18 of 1,558). This is apartment-district density: expect multi-family housing, transit access and little single-family stock.