94121 — San Francisco County, California Market Snapshot
Housing market data for zip code 94121 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the San Francisco County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$1,407,500
Days to Sell
16
Homes Sold
8
Inventory
4
Jumbo Loan Likely Needed
The median home in 94121 at $1,407,500 exceeds the 2026 conforming loan limit of $1,249,125 by $158,375. 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
Homes in 94121 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 94121 at $1,407,500 exceeds the 2026 conforming loan limit of $1,249,125 by $158,375. 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 94121 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 94121
To purchase the median home at $1,407,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,934.
Monthly Payment
$10,934
Income Required
$468,592
Principal & Interest
$8,673/mo
Down Payment (5%)
$70,375
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 94121.
Estimated Monthly Payment
$8,861
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