ZIP 94123, San Francisco Housing Market

ZIP 94123, San Francisco Market Snapshot

ZIP 94123 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 63 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
$2.20M
Down 5.0% from March 2025
Down $115K from March 2025
Homes Sold
63
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$13,369/mo
6.3% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$10,894
  • Property Tax$2,292
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
13 days
5 fewer days than in March 2025
Homes sell in a week or two
Sale-to-List Ratio
108.6%
Up from 100.4% in March 2025
Selling 9% above asking
% Sold Over Asking
62%
More than half of homes sold above their asking price
Active Listings
20
Down 52.4% from March 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 94123, San Francisco.

Median Sale Price
Down 5.0% year-over-year in 94123, San Francisco. Based on 63 sales in the most recent month.
Homes Sold
40% more homes sold than a year ago in 94123, San Francisco.
Total Monthly Payment
Estimated monthly cost is down 7% from a year ago in 94123, 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 6.3%. Your actual rate depends on your credit, down payment, and loan type.
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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