ZIP 94115, San Francisco Housing Market · 2026

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

ZIP 94115, San Francisco Market Snapshot

ZIP 94115 favors sellers and competition is intensifying. Here's the picture:

Based on 88 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$1.89M
Up 15.7% from May 2025
Up $257K from May 2025
Homes Sold
88
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$11,714/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$9,560
  • Property Tax$1,971
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
21 days
1 more day than in May 2025
Homes typically sell within a month
Sale-to-List Ratio
109.2%
Up from 103.1% in May 2025
Selling 9% above asking
% Sold Over Asking
64%
More than half of homes sold above their asking price
Active Listings
26
Down 67.5% from May 2025
About 0.3 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94115, San Francisco.

Median Sale Price
Up 15.7% year-over-year in 94115, San Francisco. Based on 88 sales in the most recent month.
Homes Sold
17% more homes sold than a year ago in 94115, San Francisco.
Total Monthly Payment
Estimated monthly cost is up 12% from a year ago in 94115, 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 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94115

Is now a good time to buy in ZIP 94115?

ZIP 94115 favors sellers and competition is intensifying. Buyers should prepare strong offers and expect limited room to negotiate on well-priced listings.

How do ZIP 94115 home prices compare to the Bay Area average?

At $1.89M, ZIP 94115's median is close to the Bay Area average of $1.85M.

This is close to the San Francisco city-wide median of $1.77M.

By home type:

  • Condos at $1.61M
  • Single-family homes at $4.85M
What price range should I budget for in ZIP 94115?

Prices in ZIP 94115 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Condos at $1.61M
  • Single-family homes at $4.85M

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 94115 for buyers?

ZIP 94115 currently favors sellers:

  • Homes sell about 9% above asking on average
  • 64% close above list price
  • 21 days typical time to go pending

Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.

What will my total monthly cost be on a median-priced ZIP 94115 home?

At $1.89M with 20% down at 6.49%, your estimated total monthly cost is approximately $11,714:

  • $9,560 principal and interest
  • $1,971 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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