94114 — San Francisco County, California Market Snapshot
Housing market data for zip code 94114 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$2,225,000
Days to Sell
13
Homes Sold
129
Inventory
48
Sale-to-List
121.3%
New Listings
164
Price/SqFt
$1,353
Pending Sales
135
Jumbo Loan Likely Needed
The median home in 94114 at $2,225,000 exceeds the 2026 conforming loan limit of $1,249,125 by $975,875. 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
94114 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94114 are selling 21.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94114 at $2,225,000 exceeds the 2026 conforming loan limit of $1,249,125 by $975,875. 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 94114 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 94114
To purchase the median home at $2,225,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,197.
Monthly Payment
$17,197
Income Required
$737,025
Principal & Interest
$13,710/mo
Down Payment (5%)
$111,250
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 94114.
Estimated Monthly Payment
$13,920
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94114.
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