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 Jul 2026 · Part of the San Francisco housing market
ZIP 94109 is a balanced market, but competition has been picking up. Here's where things stand:
Based on 148 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through July 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 is balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.
At $1.30M, ZIP 94109's median sits about 28% below the Bay Area average of $1.80M. 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 22% below the city-wide median of $1.67M.
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 is a balanced market where neither side dominates:
Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.
At $1.30M with 20% down at 6.71%, your estimated total monthly cost is approximately $8,253:
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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