San Francisco, CA 94129 housing market
Data through Aug 2026 · Seller's market
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Home Value
$1.8M
+14.7% vs. a year ago
Months of Supply
3.1 months
Aug 2022
Sale-to-List Ratio
106.4%
May 2023
Mtg Payment as % of Income
61%
Aug 2026
Rental Rate
$5,806/mo
Aug 2026
Expected Disaster Loss
$298
Dec 2025
What this means
- Prices. Home values are up 14.7% over the past year (U.S.: +1.2%), but still 34% below their 2022-23 peak.
- Negotiating. Homes typically sell at or above asking (106.4% of list) (as of May 2023).
- Affordability. A mortgage on the typical home takes 61% of the median household income (U.S.: 35%); it takes about $448k a year to keep the payment at 30% of gross pay. That includes about $2,523 a year for home insurance (U.S.: $1,790).
- Buy vs. rent. Buying costs about $5,401/mo more than renting a typical home (mortgage payment vs. typical rent).
- Disaster risk. FEMA expects about $298 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from earthquakes. Earthquakes aren't covered by standard homeowners insurance.
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Other ZIP codes in San Francisco County, CA
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| San Francisco, CA 94112 | $1.2M | +10.1% | 5 |
| San Francisco, CA 94110 | $1.4M | +14.9% | 8 |
| San Francisco, CA 94122 | $1.7M | +14.1% | 3 |
| San Francisco, CA 94109 | $1.1M | +10.4% | 12 |
| San Francisco, CA 94116 | $1.6M | +15.0% | 2 |
| San Francisco, CA 94121 | $1.8M | +17.6% | 2 |
| San Francisco, CA 94118 | $2.3M | +18.8% | 3 |
| San Francisco, CA 94134 | $1.1M | +6.6% | 12 |
| San Francisco, CA 94117 | $1.7M | +16.7% | 1 |
| San Francisco, CA 94102 | $740.5K | +8.7% | 20 |
| San Francisco, CA 94103 | $823.1K | +7.8% | 31 |
| San Francisco, CA 94124 | $947.5K | +7.2% | 26 |
| San Francisco, CA 94114 | $2M | +19.5% | 2 |
| San Francisco, CA 94115 | $1.5M | +17.1% | 3 |
| San Francisco, CA 94107 | $1M | +10.4% | 7 |
| San Francisco, CA 94131 | $1.8M | +18.6% | 2 |
| San Francisco, CA 94132 | $1.4M | +11.4% | 3 |
| San Francisco, CA 94123 | $2.5M | +18.9% | 3 |
| San Francisco, CA 94133 | $1.4M | +15.5% | 15 |
| San Francisco, CA 94127 | $2M | +16.7% | 0 |
| San Francisco, CA 94105 | $1.1M | +9.5% | 25 |
| San Francisco, CA 94158 | $1.4M | +12.8% | 10 |
| San Francisco, CA 94108 | $1.1M | +14.6% | 13 |
| San Francisco, CA 94111 | $1.1M | +8.4% | 5 |
| San Francisco, CA 94130 | – | – | 25 |
| San Francisco, CA 94104 | $1.1M | +2.8% | 47 |
| ZIP 94188 | – | – | – |