94109 ZIP Code — San Francisco, CA

San Francisco County, California

ZIP code 94109 is located in San Francisco, California, within San Francisco County. It covers approximately 1.08 square miles and serves a population of 56,333 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 415.

About ZIP code 94109

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the pre-1940, giving the area an established character. Median home value is $1,364,200. Renters make up the majority at 84%, typical of denser urban areas.

The gap between median ($108,691) and mean household income suggests income inequality — a small number of higher earners pull the average up.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 31 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 65% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 94109 reflects a community defined by a highly educated population and a high rate of remote workers.

56,333

population

1.08

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94109 ZIP code map

Cities in ZIP code 94109

Below are the cities the US Postal Service accepts for ZIP code 94109. Using any city not on this list may result in mail delivery delays.

City	Status
San Francisco	Preferred

Nearby ZIP codes

94108 San Francisco (0.8 mi) 94123 San Francisco (0.9 mi) 94104 San Francisco (1.1 mi) 94115 San Francisco (1.1 mi) 94133 San Francisco (1.2 mi) 94102 San Francisco (1.2 mi) 94111 San Francisco (1.2 mi) 94143 San Francisco (1.4 mi) 94139 San Francisco (1.4 mi) 94137 San Francisco (1.4 mi) 94141 San Francisco (1.4 mi) 94144 San Francisco (1.4 mi)

Demographics updated 06/2026

Population
Total population	56,333
Population density	52,160 / sq mi
State FIPS	06
County FIPS	075

Geography
Land area	1.08 sq mi
Water area	0.11 sq mi
Latitude	37.7962
Longitude	-122.4209
Timezone	Pacific (PT)
Area code	415

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.1%	25.4%	32.6%
$50k – $100k	19.2%	18.5%	27.7%
$100k – $200k	24.5%	27.2%	26.4%
Over $200k	25.3%	29.0%	13.3%

Demographics & statistics

56,333

Population

52,160

People per sq mi

37.4

Median age

$108,691

Median household income

$98,574

Per capita income

$1,364,200

Median home value

$2,143

Median monthly rent

16.4%

Home ownership

13.4%

Poverty rate

5.5%

Unemployment

11,865

Housing units

65.3%

Bachelor's or higher

Age distribution

Male Female

803

Under 5

754

340

5–9

318

464

10–14

436

510

15–19

479

1,554

20–24

1,458

8,929

25–34

8,377

4,905

35–44

4,602

3,599

45–54

3,377

1,350

55–59

1,266

1,565

60–64

1,468

2,460

65–74

2,308

1,532

75–84

1,438

1,053

85+

988

← Male

Female →

Age summary

Group	Count	%
Under 18	3,574	6.3%
18 and over	52,759	93.7%
65 and over	9,779	17.4%
Median age	37.4 years

Race & ethnicity

White 50.3%

Asian 23.7%

Hispanic or Latino 8.8%

Two or more races 7.4%

Other race 4.9%

Black or African American 4.2%

American Indian / Alaska Native 0.6%

Group	Count	%
White	31,082	50.3%
Asian	14,641	23.7%
Hispanic or Latino	5,454	8.8%
Two or more races	4,556	7.4%
Other race	3,057	4.9%
Black or African American	2,584	4.2%
American Indian / Alaska Native	389	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.1%	25.4%	32.6%
$50k – $100k	19.2%	18.5%	27.7%
$100k – $200k	24.5%	27.2%	26.4%
Over $200k	25.3%	29.0%	13.3%

Under $10k 6.4%

$10k–$15k 5.9%

$15k–$25k 6.8%

$25k–$35k 4.3%

$35k–$50k 5.8%

$50k–$75k 10.1%

$75k–$100k 8.8%

$100k–$150k 13.2%

$150k–$200k 10.8%

$200k+ 28.1%

Range	% of households
Under $10k	6.4%
$10k–$15k	5.9%
$15k–$25k	6.8%
$25k–$35k	4.3%
$35k–$50k	5.8%
$50k–$75k	10.1%
$75k–$100k	8.8%
$100k–$150k	13.2%
$150k–$200k	10.8%
$200k+	28.1%
Median income	$108,691

Housing

Home values

Under $50k 1.4%

$50k–$100k 0.4%

$200k–$300k 2.6%

$300k–$500k 3.2%

$500k–$1M 19.2%

$1M+ 73.3%

Housing overview

Metric	Value
Median home value	$1,364,200
Median rent / month	$2,143
Owner occupied	16.4%
Renter occupied	83.6%
Vacant	16.8%
Single-family detached	2.5%
Large apartment buildings	61.2%
Mobile homes	0.1%
Median rooms	2.9
Avg household size (owned)	1.76

Year built

Era	%
2020 or later	0.2%
2010–2019	3.5%
2000–2009	3.5%
1990–1999	4.2%
1980–1989	6.1%
1970–1979	8.1%
1960–1969	9.3%
1950–1959	4.9%
1940–1949	4.0%
1939 or earlier	56.1%

Bedrooms

Size	% of units
No bedroom (studio)	31.0%
1 bedroom	39.0%
2 bedrooms	20.6%
3 bedrooms	7.0%
4 bedrooms	1.3%
5+ bedrooms	1.0%

Vehicles per household

Vehicles	% of households
No vehicle	55.1%
1 vehicle	36.9%
2 vehicles	6.5%
3 or more	1.5%

Heating fuel

Fuel type	%
Utility gas	46.7%
Electricity	38.7%
Propane / LP gas	1.2%
Fuel oil	0.2%
Solar	0.1%
No fuel used	9.6%

Households & families

Household type	Count	%
Married-couple family	7,231	22.3%
Cohabiting couple	3,071	9.5%
Male householder, no spouse	10,969	33.8%
Female householder, no spouse	11,191	34.5%
Households with children under 18	2,247	6.9%
Households with seniors (65+)	7,698	23.7%
Average household size	1.67

Marital status

Status	Male	Female
Never married	58.3%	53.2%
Married	30.8%	29.4%
Separated	1.2%	2.1%
Widowed	1.0%	6.8%
Divorced	8.7%	8.5%

Education

Less than 9th grade 5.1%

Some HS, no diploma 3.2%

HS graduate 9.6%

Some college, no degree 12.3%

Associate's degree 4.5%

Bachelor's degree 39.0%

Graduate / professional 26.3%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	65.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	334	4.8%
Kindergarten	78	1.1%
Elementary school	1,323	19.0%
High school	620	8.9%
College / grad school	4,607	66.2%

Employment

Industry of employment

Professional & management 31.8%

Education & healthcare 13.7%

Finance & real estate 11.3%

Retail trade 9.0%

Arts, food & hospitality 8.9%

Information 7.2%

Manufacturing 4.6%

Other services 3.9%

Transportation & utilities 2.8%

Construction 2.6%

Public administration 2.3%

Wholesale trade 1.7%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	66.7%
Service	11.0%
Sales & office	17.7%
Natural resources & construction	1.3%
Production & transportation	3.2%

Employment type

Type	%
Private sector	87.2%
Government	6.5%
Self-employed	6.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	14.7%
Carpool	3.9%
Public transit	22.6%
Walk	27.3%
Work from home	22.4%
Other means	9.0%
Avg commute (minutes)	30.5

Poverty

All people 13.4%

Under 18 years 10.0%

18 and over 13.6%

Married-couple families 5.1%

Female-led households 17.6%

Income support

Source	% of households
Social Security	19.5%
Retirement income	13.8%
Supplemental Security	6.9%
Cash public assistance	2.6%
Food stamps / SNAP	7.8%

Health indicators

Condition	%
Obesity	18.7%
High blood pressure	23.1%
High cholesterol	26.0%
Diabetes	7.6%
Heart disease	4.4%
Stroke	2.1%
Asthma	8.6%
Arthritis	15.3%
Kidney disease	2.1%
Pulmonary disease	3.8%
Cancer	5.1%

Behavior / access	%
Smoking	8.7%
Binge drinking	19.3%
No physical activity	15.2%
Less than 7 hrs sleep	27.7%
Depression	15.2%
Fair or poor health	9.7%
Poor mental health	12.6%
Poor physical health	6.9%
No health insurance	8.8%
Visited doctor (checkup)	64.2%
Visited dentist	67.2%
Cholesterol screening	90.2%
Teeth loss	6.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,413	2.7%

Disability	%
Any disability	14.6%
Under 18	2.0%
18–64 years	8.7%
65 and over	45.7%

Health insurance coverage

Type	%
Private insurance	75.6%
Public insurance	30.0%
No insurance	4.7%
Uninsured under 19	3.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	54,776	97.2%
Spanish	6,893	12.6%
Other Indo-European	1,147	2.1%
Asian & Pacific Islander	1,307	2.4%
Other languages	4,234	7.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	39,533	70.2%
Born in same state	37,669	66.9%
Born in different state	19,282	34.2%
Foreign born	1,864	3.3%
Naturalized citizen	16,800	29.8%
Not a US citizen	8,760	52.1%

Ancestry

Ancestry	Count	%
Italian	5,730	10.2%
French	5,083	9%
Arab	948	1.7%
Polish	708	1.3%
English	497	0.9%

Ancestry	Count	%
Dutch	307	0.5%
Irish	202	0.4%
German	100	0.2%
Norwegian	87	0.2%

Technology access

Metric	% of households
Computer access	57.6%
Internet access	94.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 94109

What part of San Francisco is ZIP code 94109?

ZIP code 94109 covers a portion of San Francisco, California, within San Francisco County.

What county is ZIP code 94109 in?

ZIP code 94109 falls within San Francisco County, California.

Is ZIP code 94109 mostly rentals?

84% of occupied units in ZIP code 94109 are renter-occupied.

How educated is the population of ZIP code 94109?

65% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 94109?

The median home value in ZIP code 94109 is $1,364,200.

What is the median household income in ZIP code 94109?

The median household income in ZIP code 94109 is $108,691, above the national median of ~$75,000.

What timezone is ZIP code 94109 in?

ZIP code 94109 observes the PST timezone.