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ZIP Code · CA

ZIP 94109

Pop. 54,553·San Francisco County·181st most expensive ZIP in California
Median rent (all units)
$3,483/mo
Year-over-Year
+27.0%
Month-over-Month
+3.5%
vs US Median
+$1,532
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 94109 · $3,483
More expensive than 95% of US ZIP codes · National median $1,951/mo
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Medians by bedroom

Rent by unit size

Studio
$2,130
1 BR
$2,550
2 BR
$3,090
3 BR
$3,950
4 BR+
$4,090
Research median
$3,090/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: June 22, 2026

Annual cost
$41,796/yr
At $3,483/mo median
Location
StateCA
CountySan Francisco County
Demographics

Who lives here

ZIP 94109 (San Francisco, CA) is majority renter-occupied, skews toward younger working-age adults, has a median income above the national average, 63.8% of residents hold a bachelor's degree or higher.

Population
54,553
Median income
$106,018
Median age
39.4
Renters
83.2%
Age distribution
34.8%
28%
20.2%
Under 186.5%
18–3434.8%
35–5428%
55–6410.5%
65+20.2%
Gender
50.6%
49.4%
Male50.6%
Female49.4%
Race & ethnicity
49.1%
14.3%
27.4%
White49.1%
Black4.7%
Hispanic14.3%
Asian27.4%
Other4.5%
Education (25+)
17.1%
63.8%
No HS diploma10.5%
HS diploma8.6%
Some college17.1%
Bachelor's+63.8%
Housing tenure
16.8%
83.2%
Owner16.8%
Renter83.2%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 94109 in San Francisco, CA has changed in 5 years

Rent
$2,336 → $3,483
up 49.1%
Income
$104,476 → $106,018
up 1.5%
Population
56,114 → 54,553
down 2.8%
Renter share
83.7% → 83.2%
-0.5 pts
Bachelor's+
67.5% → 63.8%
-3.7 pts
Median age
37.2 → 39.4
+2.2 yrs

Rent in ZIP 94109 in San Francisco, CA has climbed 49.1% since 2021, going from about $2,336 per month to roughly $3,483 today. Median household income grew from $104,476 to $106,018 between 2021 and 2024, a 1.5% shift. Rent outpaced income growth by roughly 47.6 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. Headcount in the area went from 56,114 to 54,553 between 2021 and 2024, a 2.8% change. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher slipped from 67.5% to 63.8%. Taken together, the five-year picture in ZIP 94109 in San Francisco, CA reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 94109

Last updated: June 22, 2026

ZIP code 94109 covers San Francisco, CA. The median rent here is $3,483/mo as of June 2026. A 1-bedroom rents for a median of $2,550/mo. A 2-bedroom rents for a median of $3,090/mo.

At 39% of local median household income ($106,018/yr), ZIP 94109 ranks as moderate compared to the national benchmark of 30%. Rents have increased 27.0% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 94109?

As of June 22, 2026, the median monthly rent in ZIP 94109 (San Francisco, CA) is $3,483. This is based on aggregated data from public sources and community submissions.

How does ZIP 94109 rent compare to the US average?

ZIP 94109's median rent of $3,483/mo is $1,532 (79%) above the US national median of $1,951/mo.

How does ZIP 94109 compare to other ZIPs in California?

ZIP 94109 is one of the pricier ZIP codes in California, ranking #181 out of 898 ZIPs tracked at $3,483/mo.

How much income do you need to rent in ZIP 94109?

To keep rent at or below 30% of gross income, you would need to earn at least $139,000/year (~$67/hour full-time) to afford the median rent of $3,483/mo in ZIP 94109. The local median household income is $106,018/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 94109?

Rent in ZIP 94109 has increased 27.0% over the past year as of June 22, 2026, putting upward pressure on renter budgets.

Is ZIP 94109 an affordable place to rent?

ZIP 94109 is considered moderate for renters. At $3,483/mo, rent takes approximately 39% of the local median household income ($106,018/yr). The standard benchmark is 30%. ZIP 94109 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 94109 residents rent vs. own?

According to Census data, approximately 83.2% of ZIP 94109 households are renters, while 16.8% are owner-occupied. With a majority renter population, ZIP 94109 has a strong rental market.

How does ZIP 94109 compare to the rest of San Francisco?

ZIP 94109 is more affordable than San Francisco overall. At $3,483/mo, it's $770 below the San Francisco citywide median of $4,253/mo.

When was rent data for ZIP 94109 last updated?

Rent data for ZIP 94109 reflects June 22, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
39%
MODERATE

At $3,483/mo, rent takes ~39% of ZIP 94109's median household income ($106,018/yr). The standard benchmark is 30%.

ZIP 94109 39%Benchmark 30%
State income tax1–13.3%
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