94130 — San Francisco County, California Market Snapshot
Housing market data for zip code 94130 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 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
4 sales in 2026 (year to date)
Median Sale Price
$2,000,000
Days to Sell
3
Homes Sold
4
Inventory
11
Jumbo Loan Likely Needed
The median home in 94130 at $2,000,000 exceeds the 2026 conforming loan limit of $1,249,125 by $750,875. 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
94130 is an extremely competitive market with homes selling in just 3 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 94130 at $2,000,000 exceeds the 2026 conforming loan limit of $1,249,125 by $750,875. 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 94130 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 94130
To purchase the median home at $2,000,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,473.
Monthly Payment
$15,473
Income Required
$663,144
Principal & Interest
$12,323/mo
Down Payment (5%)
$100,000
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 94130.
Estimated Monthly Payment
$12,528
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94130.
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