94103 — San Francisco County, California Market Snapshot
Housing market data for zip code 94103 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$869,000
Days to Sell
43
Homes Sold
36
Inventory
71
Sale-to-List
102.1%
New Listings
74
Price/SqFt
$816
Pending Sales
52
Conforming Loan Available
Most homebuyers in 94103 can comfortably use conventional financing. The median home price of $869,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
94103's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 94103 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 94103 can comfortably use conventional financing. The median home price of $869,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 94103 are set at the county level.
2026 Loan Limits — San Francisco County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94103
To purchase the median home at $869,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,808.
Monthly Payment
$6,808
Income Required
$291,771
Principal & Interest
$5,355/mo
Down Payment (5%)
$43,450
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94103.
Estimated Monthly Payment
$5,528
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