94103 ZIP Code — San Francisco, CA

San Francisco County, California

ZIP code 94103 is located in San Francisco, California, within San Francisco County. It covers approximately 1.37 square miles and serves a population of 32,400 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 341/415/510/650.

About ZIP code 94103

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 $1,065,100. Renters make up the majority at 80%, typical of denser urban areas.

The gap between median ($111,028) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 19% of residents, above the national average.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 27 minutes is near the national average. Remote work is prevalent — 25% of workers work from home.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 94103 reflects a community defined by a highly educated population, economic challenges above the national average, and a high rate of remote workers.

32,400

population

1.37

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94103 ZIP code map

Cities in ZIP code 94103

Below are the cities the US Postal Service accepts for ZIP code 94103. Using any city not on this list may result in mail delivery delays.

City	Status
San Francisco	Preferred

Nearby ZIP codes

94160 San Francisco (0.3 mi) 94145 San Francisco (0.3 mi) 94161 San Francisco (0.3 mi) 94137 San Francisco (0.3 mi) 94151 San Francisco (0.3 mi) 94143 San Francisco (0.3 mi) 94188 San Francisco (0.3 mi) 94144 San Francisco (0.3 mi) 94177 San Francisco (0.3 mi) 94139 San Francisco (0.3 mi) 94141 San Francisco (0.3 mi) 94163 San Francisco (0.3 mi)

Demographics updated 06/2026

Population
Total population	32,400
Population density	23,650 / sq mi
State FIPS	06
County FIPS	075

Geography
Land area	1.37 sq mi
Water area	0.00 sq mi
Latitude	37.7755
Longitude	-122.4129
Timezone	Pacific (PT)
Area code	341/415/510/650

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.6%	25.4%	32.6%
$50k – $100k	13.8%	18.5%	27.7%
$100k – $200k	25.0%	27.2%	26.4%
Over $200k	22.6%	29.0%	13.3%

Demographics & statistics

32,400

Population

23,650

People per sq mi

36.8

Median age

$111,028

Median household income

$83,947

Per capita income

$1,065,100

Median home value

$1,921

Median monthly rent

20.5%

Home ownership

18.8%

Poverty rate

4.8%

Unemployment

6,879

Housing units

56.0%

Bachelor's or higher

Age distribution

Male Female

592

Under 5

392

559

5–9

371

414

10–14

274

355

15–19

235

1,203

20–24

797

5,857

25–34

3,878

3,267

35–44

2,164

2,807

45–54

1,859

880

55–59

583

1,009

60–64

669

1,627

65–74

1,077

609

75–84

404

312

85+

206

← Male

Female →

Age summary

Group	Count	%
Under 18	3,031	9.4%
18 and over	29,369	90.6%
65 and over	4,235	13.1%
Median age	36.8 years

Race & ethnicity

White 34.1%

Asian 28.2%

Hispanic or Latino 11.9%

Two or more races 8.5%

Other race 8.2%

Black or African American 6.8%

American Indian / Alaska Native 2.1%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	12,550	34.1%
Asian	10,361	28.2%
Hispanic or Latino	4,378	11.9%
Two or more races	3,110	8.5%
Other race	3,005	8.2%
Black or African American	2,516	6.8%
American Indian / Alaska Native	761	2.1%
Native Hawaiian / Pacific Islander	97	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.6%	25.4%	32.6%
$50k – $100k	13.8%	18.5%	27.7%
$100k – $200k	25.0%	27.2%	26.4%
Over $200k	22.6%	29.0%	13.3%

Under $10k 7.8%

$10k–$15k 7.8%

$15k–$25k 7.2%

$25k–$35k 3.7%

$35k–$50k 5.8%

$50k–$75k 7.3%

$75k–$100k 7.7%

$100k–$150k 12.8%

$150k–$200k 11.0%

$200k+ 28.7%

Range	% of households
Under $10k	7.8%
$10k–$15k	7.8%
$15k–$25k	7.2%
$25k–$35k	3.7%
$35k–$50k	5.8%
$50k–$75k	7.3%
$75k–$100k	7.7%
$100k–$150k	12.8%
$150k–$200k	11.0%
$200k+	28.7%
Median income	$111,028

Housing

Home values

Under $50k 0.4%

$100k–$150k 0.3%

$200k–$300k 1.5%

$300k–$500k 8.4%

$500k–$1M 33.8%

$1M+ 55.6%

Housing overview

Metric	Value
Median home value	$1,065,100
Median rent / month	$1,921
Owner occupied	20.5%
Renter occupied	79.5%
Vacant	17.2%
Single-family detached	4.1%
Large apartment buildings	64.1%
Mobile homes	0.0%
Median rooms	2.7
Avg household size (owned)	2.07

Year built

Era	%
2020 or later	2.6%
2010–2019	24.9%
2000–2009	15.3%
1990–1999	4.5%
1980–1989	4.5%
1970–1979	4.4%
1960–1969	4.8%
1950–1959	2.5%
1940–1949	3.8%
1939 or earlier	32.8%

Bedrooms

Size	% of units
No bedroom (studio)	32.5%
1 bedroom	31.1%
2 bedrooms	26.2%
3 bedrooms	7.2%
4 bedrooms	2.0%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	56.0%
1 vehicle	35.7%
2 vehicles	6.6%
3 or more	1.7%

Heating fuel

Fuel type	%
Utility gas	41.4%
Electricity	47.1%
Propane / LP gas	0.9%
Fuel oil	0.2%
Solar	1.2%
No fuel used	8.9%

Households & families

Household type	Count	%
Married-couple family	3,817	22.9%
Cohabiting couple	1,603	9.6%
Male householder, no spouse	7,305	43.8%
Female householder, no spouse	3,950	23.7%
Households with children under 18	1,933	11.6%
Households with seniors (65+)	3,144	18.9%
Average household size	1.82

Marital status

Status	Male	Female
Never married	64.4%	49.3%
Married	26.6%	34.2%
Separated	0.9%	2.5%
Widowed	1.5%	7.4%
Divorced	6.6%	6.7%

Education

Less than 9th grade 6.2%

Some HS, no diploma 5.4%

HS graduate 14.7%

Some college, no degree 13.0%

Associate's degree 4.6%

Bachelor's degree 35.8%

Graduate / professional 20.3%

Metric	%
HS diploma or higher	88.4%
Bachelor's or higher	56.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	363	7.9%
Kindergarten	67	1.5%
Elementary school	1,247	27.3%
High school	597	13.1%
College / grad school	2,293	50.2%

Employment

Industry of employment

Professional & management 33.1%

Education & healthcare 13.9%

Retail trade 10.4%

Arts, food & hospitality 8.6%

Information 8.4%

Finance & real estate 7.9%

Manufacturing 4.7%

Transportation & utilities 3.7%

Other services 3.5%

Public administration 2.8%

Construction 1.5%

Wholesale trade 1.2%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	62.1%
Service	17.7%
Sales & office	14.8%
Natural resources & construction	1.3%
Production & transportation	4.1%

Employment type

Type	%
Private sector	87.1%
Government	8.3%
Self-employed	4.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	13.8%
Carpool	2.9%
Public transit	26.8%
Walk	20.7%
Work from home	25.4%
Other means	10.5%
Avg commute (minutes)	26.6

Poverty

All people 18.8%

Under 18 years 24.0%

18 and over 18.2%

Married-couple families 5.3%

Female-led households 37.0%

Income support

Source	% of households
Social Security	15.8%
Retirement income	9.6%
Supplemental Security	9.2%
Cash public assistance	3.6%
Food stamps / SNAP	12.6%

Health indicators

Condition	%
Obesity	22.5%
High blood pressure	25.9%
High cholesterol	26.7%
Diabetes	9.7%
Heart disease	4.8%
Stroke	2.5%
Asthma	8.6%
Arthritis	15.8%
Kidney disease	2.4%
Pulmonary disease	4.3%
Cancer	4.4%

Behavior / access	%
Smoking	10.7%
Binge drinking	19.5%
No physical activity	18.2%
Less than 7 hrs sleep	30.5%
Depression	14.4%
Fair or poor health	12.4%
Poor mental health	12.6%
Poor physical health	8.2%
No health insurance	10.8%
Visited doctor (checkup)	64.1%
Visited dentist	61.5%
Cholesterol screening	90.3%
Teeth loss	10.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	845	2.9%

Disability	%
Any disability	13.5%
Under 18	2.1%
18–64 years	9.2%
65 and over	46.9%

Health insurance coverage

Type	%
Private insurance	67.0%
Public insurance	33.3%
No insurance	4.5%
Uninsured under 19	0.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	31,416	97.0%
Spanish	5,628	17.9%
Other Indo-European	2,001	6.4%
Asian & Pacific Islander	484	1.5%
Other languages	3,110	9.9%

Place of birth & citizenship

Origin	Count	%
Native born (US)	21,048	65.0%
Born in same state	20,465	63.2%
Born in different state	10,745	33.2%
Foreign born	583	1.8%
Naturalized citizen	11,352	35.0%
Not a US citizen	5,594	49.3%

Ancestry

Ancestry	Count	%
Italian	2,071	6.4%
French	1,501	4.6%
Arab	743	2.3%
English	276	0.9%
German	263	0.8%

Ancestry	Count	%
Norwegian	217	0.7%
Dutch	181	0.6%
Polish	169	0.5%
Irish	73	0.2%

Technology access

Metric	% of households
Computer access	51.5%
Internet access	95.7%

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

Frequently asked questions about ZIP code 94103

What city is ZIP code 94103 in?

ZIP code 94103 is primarily assigned to San Francisco, California.

What county is ZIP code 94103 in?

ZIP code 94103 falls within San Francisco County, California.

Is ZIP code 94103 mostly rentals?

80% of occupied units in ZIP code 94103 are renter-occupied.

How educated is the population of ZIP code 94103?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the poverty rate in ZIP code 94103?

19% of residents in ZIP code 94103 live below the poverty line, above the national average.

What is the typical home value in ZIP code 94103?

The median home value in ZIP code 94103 is $1,065,100.

What timezone is ZIP code 94103 in?

ZIP code 94103 observes the PST timezone.