ZIP Code 94109

In San Francisco's 94109, a median home value of $1,300,300 towers over the median household income of $106,018, so buying here demands far more than a decade's earnings. The county's 0.71% effective property tax rate softens the annual bill somewhat, yet it still lands near $9,232 on that median home — roughly 8.7% of household income before any mortgage payment. Per-capita income reaches $95,004, and the combined 8.62% sales tax adds further cost to daily life, compounding the squeeze between what homes cost and what residents bring home.