ZIP 94102 vs ZIP 94103

This side-by-side compares ZIP 94102 (San Francisco, CA) and ZIP 94103 (San Francisco, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 94102 has a population of 31,176 at 17,996 people per square mile, while ZIP 94103 has 27,170 at 7,723 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 94102 reports a median household income of $60,431 against $116,438 in ZIP 94103, with per-capita income of $62,708 vs $85,640. The share of adults holding a bachelor's degree or higher is 40.4% in 94102 and 54.2% in 94103. Poverty rate reads 24.4% vs 19.7%, and unemployment 7.7% vs 7.2% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $935,900 in 94102 versus $1,022,800 in 94103, with median rent of $1,536 and $2,218 per month respectively. Homeownership rate is 8.0% vs 19.7%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.