dynamic.RE
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An appreciation-lean market without the demand pressure to back it. The rent math runs thin.
What would change this read: a price correction (median already −19.7% YoY) or rent growth lifting rent-to-price toward 0.8%/mo would move this ZIP toward a cash-flow story. inventory, +0.0% YoY, is the number to watch.
The median listing price is down 19.7% YoY while the median home got down 9.8% bigger, so value per square foot is up 5.2%.
Min/max come from the active-listing pool; the median comes from Realtor's separate listing set — the two are not subsets of each other, so the median's position relative to the tiles above should not be read literally.
At the median, a $500K purchase rents for $2,845/mo: 0.57% of price per month against the 1% rule's 1.00%.
Not shown: 3 BR (sale only, no matching rent), 4 BR (sale only, no matching rent), 5 BR (sale only, no matching rent), 6 BR (sale only, no matching rent).
Sales here take about 31 days longer to go under contract than rentals (median across 2 property types).
Not shown: Apartment (rented here, not sold), Land (sold here, not rented), Single Family (rented here, not sold), Townhouse (rented here, not sold).
Not shown: Townhouse (no rent per sq ft reported).
U.S. Census ACS characteristics for ZIP 94102 itself, not its parent county.
Renters hold 92.0% of this ZIP's 19,935 occupied households, on a median household income of $60K.
| Measure | ZIP 94102 | San Francisco County | Difference |
|---|---|---|---|
| Median Household Income | $60K | $141K | -$81K |
| Below Poverty Level | 24.4% | 11.2% | +13.2% |
| Median Age | 42.20 | 40.00 | +2.20 |
| Total Population | 35,976 | 830,235 | -- |
| Avg Household Size | 1.64 | 2.21 | -0.57 |
| Owner-Occupied | 8.0% | 38.2% | -30.2% |
| Worked From Home | 23.8% | 31.0% | -7.2% |
| Mean Commute | 27.70 | 30.40 | -2.70 |
Higher or lower is not itself good or bad — it describes the neighborhood, not the investment.
ZIP-level figures come from ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP codes. A missing value is suppressed or unavailable at this sample size, not zero. Estimates for 2019–2020 use the 2010 ZCTA boundaries and 2021–2024 the 2020 ones, so a step between those two years may be a boundary change rather than real movement.
County population is down 0.7% to 830,235: residents under 18 are down 1.1% and those 65 and over are up 2.0%.
County median household income is $141K, 11.2% of residents are below the poverty level, 31.0% work from home.