94122 — San Francisco County, California Market Snapshot
Housing market data for zip code 94122 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
89 sales in 2026 (year to date)
Median Sale Price
$1,990,000
Days to Sell
14
Homes Sold
89
Inventory
18
Sale-to-List
127.8%
New Listings
91
Price/SqFt
$1,136
Pending Sales
90
Jumbo Loan Likely Needed
The median home in 94122 at $1,990,000 exceeds the 2026 conforming loan limit of $1,249,125 by $740,875. 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
Homes in 94122 are moving quickly at 14 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94122 are selling 27.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94122 at $1,990,000 exceeds the 2026 conforming loan limit of $1,249,125 by $740,875. 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 94122 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 94122
To purchase the median home at $1,990,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,397.
Monthly Payment
$15,397
Income Required
$659,861
Principal & Interest
$12,262/mo
Down Payment (5%)
$99,500
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 94122.
Estimated Monthly Payment
$12,466
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94122.
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