ZIP Code 94131 — San Francisco, California

The median home in 94131 is valued at $1,628,900 against a median household income of $196,571, a price-to-income ratio of 8.3. 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, 94131 ranks 5 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 17.6% of median household income (median rent $2,881 a month), under the 30% cost-burden threshold.

94131 ranks 52 of 1,558 statewide on median household income and 92 of 1,558 on median home value; its income is above the $145,931 San Francisco County median. 56% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 78% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.5%, below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.0%.

With 14,352 residents per square mile across 2 square miles of land, 94131 is far denser than the statewide ZIP median of 1,120 (rank 80 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.