ZIP Code 94104 — San Francisco, CA Home Prices (2026)

The typical home in ZIP 94104 (San Francisco, California) is worth about $1,155,000 at roughly $1045 per square foot — 18% more affordable than the San Francisco median and 293% more expensive than the typical U.S. home.

$1,155,000

Typical home value

$1045

Price per sq ft

#18 of 27

San Francisco ZIPs by value

-18%

vs San Francisco median

How 94104 compares

ZIP 94104 is a mid-priced ZIP code for San Francisco: its typical home value of $1,155,000 ranks #18 of the 27 San Francisco ZIP codes we track (the citywide range runs from $745,000 in 94102 to $2,490,000 in 94123). Per square foot it costs about $1045, against $968 for San Francisco as a whole, $455 for California, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 94104	$1,155,000	$1045
San Francisco, CA	$1,414,000	$968
California	$698,000	$455
United States	$294,000	$195

Home value by size in 94104

Using this ZIP’s rate of about $1045 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$1,045,000
1,500 sq ft	$1,567,500
2,000 sq ft	$2,090,000
2,500 sq ft	$2,612,500
3,000 sq ft	$3,135,000

Salary needed to buy a home in ZIP 94104

To buy the typical $1,155,000 home in ZIP 94104 with 20% down, you need a household income of roughly $314,000 a year (about $7,330 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $373,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$57,800	$9,110/mo	$391,000/yr
10% (+PMI)	$115,500	$8,710/mo	$373,000/yr
20%	$231,000	$7,330/mo	$314,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 94104

At about $1045 per square foot, here is roughly how much home different budgets get you in ZIP 94104:

Budget	Approx. size	What that looks like locally
$600k	570 sq ft	below the local median — condos, smaller or older homes
$750k	720 sq ft	below the local median — condos, smaller or older homes
$1.00M	960 sq ft	around the typical home here
$1.50M	1440 sq ft	around the typical home here
$2.00M	1910 sq ft	above the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 94104 home.

Estimate a specific home in 94104

The estimator below is pre-set to ZIP 94104 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All San Francisco ZIP codes by home value

Where 94104 sits among San Francisco’s 27 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	94123	$2,490,000	$1390
2	94118	$2,240,000	$1169
3	94127	$2,010,000	$968
4	94114	$1,998,000	$1113
5	94130	$1,854,000	$976
6	94121	$1,821,000	$996
7	94129	$1,780,000	$937
8	94131	$1,748,000	$937
9	94122	$1,701,000	$920
10	94117	$1,669,000	$952
11	94116	$1,624,000	$927
12	94115	$1,530,000	$1071
13	94133	$1,421,000	$1138
14	94110	$1,414,000	$974
15	94132	$1,373,000	$809
16	94158	$1,348,000	$1184
17	94112	$1,165,000	$794
18	94104 (this page)	$1,155,000	$1045
19	94105	$1,127,000	$1239
20	94111	$1,113,000	$924
21	94134	$1,070,000	$727
22	94109	$1,065,000	$1010
23	94108	$1,045,000	$1290
24	94107	$1,041,000	$924
25	94124	$931,000	$683
26	94103	$824,000	$775
27	94102	$745,000	$940

ZIP 94104 home prices: frequently asked

What is the average home price in ZIP code 94104? +

The typical home in ZIP 94104 (San Francisco, CA) is worth about $1,155,000 as of 2026. That is 18% more affordable than the San Francisco median of $1,414,000 and 293% more expensive than the U.S. median of $294,000.

What is the price per square foot in 94104? +

About $1045 per square foot in 94104, versus $968 across San Francisco and $455 across California. At that rate a 1,500 sq ft home runs roughly $1,567,500 and a 2,500 sq ft home about $2,612,500.

What salary do you need to buy a house in ZIP 94104? +

For the typical $1,155,000 home in ZIP 94104, a household income of about $314,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $373,000; with 5% down about $391,000.

Is 94104 an expensive ZIP code? +

Within San Francisco, 94104 ranks #18 of 27 ZIP codes by typical home value, which makes it a mid-priced ZIP code for San Francisco. Nationally it is relatively expensive.

See the full San Francisco home values page, all California cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.