ZIP 94109, San Francisco Housing Market

ZIP 94109, San Francisco Market Snapshot

ZIP 94109 is a balanced market, but competition has been picking up. Here's where things stand:

Based on 83 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$1.17M
Down 1.4% from March 2025
Down $17K from March 2025
Homes Sold
83
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$7,184/mo
6.3% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$5,784
  • Property Tax$1,217
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
30 days
6 fewer days than in March 2025
Homes typically sell within a month
Sale-to-List Ratio
102.6%
Up from 99.6% in March 2025
Selling at or near asking price
% Sold Over Asking
48%
48% of homes sold above asking, some competition
Active Listings
94
Down 27.7% from March 2025
About 1.1 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94109, San Francisco.

Median Sale Price
Down 1.4% year-over-year in 94109, San Francisco. Based on 83 sales in the most recent month.
Homes Sold
5% fewer homes sold than a year ago in 94109, San Francisco.
Total Monthly Payment
Estimated monthly cost is down 4% from a year ago in 94109, San Francisco, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.3%. Your actual rate depends on your credit, down payment, and loan type.
Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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