ZIP 94127, San Francisco Housing Market · 2026

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

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

ZIP 94127, San Francisco Market Snapshot

ZIP 94127 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 65 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

SalesWhat are homes selling for?
Median Sale Price
$2.50M
Up 19.0% from July 2025
Up $399K from July 2025
Homes Sold
65
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$15,703/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$12,916
  • Property Tax$2,604
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
13 days
· Same as July 2025
Homes sell in a week or two
Sale-to-List Ratio
122.4%
Up from 113.9% in July 2025
Selling 22% above asking
% Sold Over Asking
86%
86% of homes sold above their asking price
Active Listings
6
Down 62.2% from July 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 94127, San Francisco.

Median Sale Price
Up 19.0% year-over-year in 94127, San Francisco. Based on 65 sales in the last 3 months.
Homes Sold
3% more homes sold than a year ago in 94127, San Francisco.
Total Monthly Payment
Estimated monthly cost is up 18% from a year ago in 94127, 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 6.71%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94127

Is now a good time to buy in ZIP 94127?

ZIP 94127 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 94127 home prices compare to the Bay Area average?

At $2.50M, ZIP 94127's median sits about 39% above the Bay Area average of $1.80M. ZIP 94127 is on the higher end of the regional market.

Within San Francisco, this area trades about 49% above the city-wide median of $1.67M.

By home type:

  • Single-family homes at $2.51M
  • Townhomes at $847K
What price range should I budget for in ZIP 94127?

Prices in ZIP 94127 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.51M
  • Townhomes at $847K

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 94127 for buyers?

ZIP 94127 is one of the Bay Area's more competitive markets:

  • Homes sell about 22% above asking on average
  • 86% close above list price
  • 13 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 94127 home?

At $2.50M with 20% down at 6.71%, your estimated total monthly cost is approximately $15,703:

  • $12,916 principal and interest
  • $2,604 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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