ZIP 94109
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12-month history
Last updated: September 25, 2026
What the numbers show
December. Asking rents in ZIP 94109 usually run 0.8% below trend in December and 1.2% above it in August, about $79 a month apart at today's median. Based on 11 years of data.
Rent in ZIP 94109 is at its highest level since Zillow's records here began in January 2015.
Rent in ZIP 94109 changed +27.8% over the year to August 2026. Across the 818 California ZIP codes Zillow tracks, the typical change was +2.9%.
From 2019 to 2024, rent in ZIP 94109 rose -7.8% while median household income rose 12.5% ($94,278 to $106,018). Income kept ahead of rent.
Rent in ZIP 94109 is 29% higher than in March 2020. Across the US, rent is up 36.8% over the same stretch.
Rent has risen 25 months in a row, and rose in 12 of the last 12 months.
30% of the median household income ($106,018) is $2,650 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($2,550); a 2-bedroom is $3,090.
5th cheapest of 22 ZIP codes in San Francisco.
ZIP 94132, 6 miles away, rents for 18% less ($3,260/mo), about $8,500 a year in savings.
From Zillow's monthly rent index (ZORI) for ZIP 94109. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 94109 in San Francisco, CA has changed in 5 years
Rent in ZIP 94109 in San Francisco, CA has climbed 56.2% since 2021, going from about $2,543 per month to roughly $3,972 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 54.7 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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Tips for renters in ZIP 94109
Last updated: September 25, 2026
ZIP code 94109 covers San Francisco, CA. The median rent here is $3,972/mo as of September 2026. A 1-bedroom rents for a median of $2,550/mo. A 2-bedroom rents for a median of $3,090/mo.
At 45% of local median household income ($106,018/yr), ZIP 94109 ranks as moderate compared to the national benchmark of 30%. Rents have increased 27.8% over the past year.
Frequently asked questions
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How does ZIP 94109 compare to the rest of San Francisco?
At $3,972/mo, rent takes ~45% of ZIP 94109's median household income ($106,018/yr). The standard benchmark is 30%.
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