94108 — San Francisco County, California Market Snapshot
Housing market data for zip code 94108 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$1,660,000
Days to Sell
51
Homes Sold
15
Inventory
12
Sale-to-List
102.8%
New Listings
18
Price/SqFt
$1,168
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 94108 at $1,660,000 exceeds the 2026 conforming loan limit of $1,249,125 by $410,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
94108's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 94108 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94108 at $1,660,000 exceeds the 2026 conforming loan limit of $1,249,125 by $410,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94108 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 94108
To purchase the median home at $1,660,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,868.
Monthly Payment
$12,868
Income Required
$551,502
Principal & Interest
$10,228/mo
Down Payment (5%)
$83,000
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 94108.
Estimated Monthly Payment
$10,423
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94108.
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