ZIP Code 94132 — San Francisco, California

The median home in 94132 is valued at $1,373,800 against a median household income of $104,537, a price-to-income ratio of 13.1. 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, 94132 ranks 20 of 25 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.6. Renting takes 28.2% of median household income (median rent $2,460 a month), under the 30% cost-burden threshold.

94132 ranks 521 of 1,558 statewide on median household income and 148 of 1,558 on median home value; its income is below the $145,931 San Francisco County median. 48% of households own their home, below the 64% statewide ZIP median, so most residents rent. 57% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 14.8%, above the 10.8% statewide ZIP median. Unemployment stands at 8.5%.

With 8,916 residents per square mile across 3.1 square miles of land, 94132 is far denser than the statewide ZIP median of 1,120 (rank 199 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.