94131 — San Francisco County, California Market Snapshot
Housing market data for zip code 94131 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 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
7 sales in 2026 (year to date)
Median Sale Price
$1,710,000
Days to Sell
42
Homes Sold
7
Inventory
9
Jumbo Loan Likely Needed
The median home in 94131 at $1,710,000 exceeds the 2026 conforming loan limit of $1,249,125 by $460,875. 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
94131's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 94131 at $1,710,000 exceeds the 2026 conforming loan limit of $1,249,125 by $460,875. 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 94131 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 94131
To purchase the median home at $1,710,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,251.
Monthly Payment
$13,251
Income Required
$567,921
Principal & Interest
$10,536/mo
Down Payment (5%)
$85,500
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 94131.
Estimated Monthly Payment
$10,733
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94131.
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