94115 — San Francisco County, California Market Snapshot
Housing market data for zip code 94115 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$1,612,500
Days to Sell
16
Homes Sold
61
Inventory
17
Sale-to-List
108.9%
New Listings
57
Price/SqFt
$1,200
Pending Sales
57
Jumbo Loan Likely Needed
The median home in 94115 at $1,612,500 exceeds the 2026 conforming loan limit of $1,249,125 by $363,375. 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 94115 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94115 are selling 8.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94115 at $1,612,500 exceeds the 2026 conforming loan limit of $1,249,125 by $363,375. 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 94115 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 94115
To purchase the median home at $1,612,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,504.
Monthly Payment
$12,504
Income Required
$535,905
Principal & Interest
$9,936/mo
Down Payment (5%)
$80,625
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 94115.
Estimated Monthly Payment
$10,129
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94115.
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