ZIP 94111, San Francisco Housing Market · 2026

Data through Sep 2026 · Part of the San Francisco housing market

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

ZIP 94111, San Francisco Market Snapshot

ZIP 94111 is one of the most competitive markets in the Bay Area, and it's still heating up. Here's what you need to know:

Based on 15 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

SalesWhat are homes selling for?
Median Sale Price
$1.30M
▼ Down 14.8% from September 2025
Down $225K from September 2025
Homes Sold
15
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,736/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,199
  • Property Tax$1,354
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
11 days
▼ 31 fewer days than in September 2025
Homes sell in a week or two
Sale-to-List Ratio
104.8%
▲ Up from 97.0% in September 2025
Selling 5% above asking
% Sold Over Asking
80%
80% of homes sold above their asking price
Active Listings
10
▼ Down 12.8% from September 2025
About 1.9 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94111, San Francisco.

Median Sale Price
Down 14.8% year-over-year in 94111, San Francisco. Based on 15 sales in the last 3 months.
Homes Sold
25% more homes sold than a year ago in 94111, San Francisco.
Total Monthly Payment
Estimated monthly cost is down 9% from a year ago in 94111, 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 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94111

Is now a good time to buy in ZIP 94111?

ZIP 94111 is one of the most competitive markets in the Bay Area. Buyers should expect to offer above asking price, be prepared to waive contingencies, and act fast. Coming in with strong financing and a clear strategy is essential.

How do ZIP 94111 home prices compare to the Bay Area average?

At $1.30M, ZIP 94111'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 94111 is one of the more accessible corners of the Bay Area.

Within San Francisco, this area trades about 18% below the city-wide median of $1.58M.

By home type:

  • Condos at $1.17M
  • Townhomes at $2.31M
What price range should I budget for in ZIP 94111?

Prices in ZIP 94111 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Condos at $1.17M
  • Townhomes at $2.31M

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.

How competitive is ZIP 94111 for buyers?

ZIP 94111 is one of the Bay Area's more competitive markets:

  • Homes sell about 5% above asking on average
  • 80% close above list price
  • 11 days typical time to go pending

Buyer strategy: budget 5 to 10% above ask on well-priced listings, with financing pre-approved and offers ready to move quickly.

What will my total monthly cost be on a median-priced ZIP 94111 home?

At $1.30M with 20% down at 7.4%, your estimated total monthly cost is approximately $8,736:

  • $7,199 principal and interest
  • $1,354 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

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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