94123 — San Francisco County, California Market Snapshot
Housing market data for zip code 94123 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$2,325,000
Days to Sell
12
Homes Sold
44
Inventory
11
Sale-to-List
116.0%
New Listings
38
Price/SqFt
$1,550
Pending Sales
34
Jumbo Loan Likely Needed
The median home in 94123 at $2,325,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,075,875. 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
94123 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94123 are selling 16.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94123 at $2,325,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,075,875. 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 94123 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 94123
To purchase the median home at $2,325,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $17,963.
Monthly Payment
$17,963
Income Required
$769,860
Principal & Interest
$14,326/mo
Down Payment (5%)
$116,250
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 94123.
Estimated Monthly Payment
$14,539
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94123.
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