San Francisco, CA Real Estate Market

With only 123 active listings and a market temperature rated warm, sellers are operating in a relatively tight inventory environment that may support their asking price positioning. Homes are sitting on the market for a median of 36 days, so pricing competitively from the start will be important to avoid extended time on market.

Buyers shopping in 94103 should be prepared for a median asking price of $925,000 for single-family homes, with two-bedroom options listed at a median of $998,000 and one-bedrooms available at $579,000. With 36 median days on market, there is some breathing room to conduct due diligence, though the competition score of 68 signals that motivated buyers should remain engaged.

The median asking price for a one-bedroom unit is $579,000, while the median rent for a one-bedroom stands at $3,200 per month, offering a starting point for evaluating potential yield on acquisitions in this zip code. Rental inventory is slightly higher than for-sale inventory at 129 units versus 123, which investors should factor into their assumptions about lease-up timelines and rental pricing power.

The 30-year fixed mortgage rate is currently at 6.37 percent and the 15-year fixed sits at 5.72 percent, meaningfully affecting monthly carrying costs on a $925,000 purchase. Buyers who can qualify for a 15-year term will save on interest rate, though the higher monthly payment requires stronger cash flow to sustain compared to the 30-year option.