94117 — San Francisco County, California Market Snapshot
Housing market data for zip code 94117 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$2,587,500
Days to Sell
35
Homes Sold
12
Inventory
2
Sale-to-List
107.8%
New Listings
8
Price/SqFt
$567
Pending Sales
10
Jumbo Loan Likely Needed
The median home in 94117 at $2,587,500 exceeds the 2026 conforming loan limit of $1,249,125 by $1,338,375. 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
94117's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 94117 are selling 7.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94117 at $2,587,500 exceeds the 2026 conforming loan limit of $1,249,125 by $1,338,375. 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 94117 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 94117
To purchase the median home at $2,587,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $19,975.
Monthly Payment
$19,975
Income Required
$856,054
Principal & Interest
$15,943/mo
Down Payment (5%)
$129,375
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 94117.
Estimated Monthly Payment
$16,163
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94117.
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