94158 — San Francisco County, California Market Snapshot
Housing market data for zip code 94158 in San Francisco County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$1,563,000
Days to Sell
20
Homes Sold
23
Inventory
11
Sale-to-List
102.4%
New Listings
31
Price/SqFt
$1,301
Pending Sales
25
Jumbo Loan Likely Needed
The median home in 94158 at $1,563,000 exceeds the 2026 conforming loan limit of $1,249,125 by $313,875. 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 94158 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94158 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94158 at $1,563,000 exceeds the 2026 conforming loan limit of $1,249,125 by $313,875. 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 94158 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 94158
To purchase the median home at $1,563,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,125.
Monthly Payment
$12,125
Income Required
$519,652
Principal & Interest
$9,631/mo
Down Payment (5%)
$78,150
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 94158.
Estimated Monthly Payment
$9,823
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94158.
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