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.”
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.”
Data through Sep 2026 · Part of the San Francisco housing market
ZIP 94109 favors sellers and competition is intensifying. Here's the picture:
Based on 108 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through September 2026
See how prices, monthly costs, and mortgage rates have moved in 94109, San Francisco.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
ZIP 94109 favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.
At $1.28M, ZIP 94109's median sits about 27% below the Bay Area average of $1.77M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that ZIP 94109 is one of the more accessible corners of the Bay Area.
Within San Francisco, this area trades about 19% below the city-wide median of $1.58M.
By home type:
Prices in ZIP 94109 depend heavily on home type and specific neighborhood. Median sale prices by type:
Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.
ZIP 94109 currently favors sellers:
Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.
At $1.28M with 20% down at 7.4%, your estimated total monthly cost is approximately $8,634:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
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