ZIP 94114, San Francisco Housing Market · 2026

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

ZIP 94114, San Francisco Market Snapshot

ZIP 94114 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 70 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$2.14M
Up 18.7% from March 2025
Up $336K from March 2025
Homes Sold
70
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,246/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,837
  • Property Tax$2,226
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
12 days
2 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
119.7%
Up from 109.3% in March 2025
Selling 20% above asking
% Sold Over Asking
81%
81% of homes sold above their asking price
Active Listings
42
Down 31.1% from March 2025
About 0.6 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94114, San Francisco.

Median Sale Price
Up 18.7% year-over-year in 94114, San Francisco. Based on 70 sales in the most recent month.
Homes Sold
8% more homes sold than a year ago in 94114, San Francisco.
Total Monthly Payment
Estimated monthly cost is up 16% from a year ago in 94114, 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 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94114

Is now a good time to buy in ZIP 94114?

ZIP 94114 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 94114 home prices compare to the Bay Area average?

At $2.14M, ZIP 94114's median is close to the Bay Area average of $1.88M.

Within San Francisco, this area trades about 26% above the city-wide median of $1.70M.

By home type:

  • Single-family homes at $2.52M
  • Condos at $1.75M
What price range should I budget for in ZIP 94114?

Prices in ZIP 94114 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.52M
  • Condos at $1.75M

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 94114 for buyers?

ZIP 94114 is one of the Bay Area's more competitive markets:

  • Homes sell about 20% above asking on average
  • 81% close above list price
  • 12 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 94114 home?

At $2.14M with 20% down at 6.53%, your estimated total monthly cost is approximately $13,246:

  • $10,837 principal and interest
  • $2,226 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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