ZIP 94103 vs ZIP 94102

This side-by-side compares ZIP 94103 (San Francisco, CA) and ZIP 94102 (San Francisco, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 94103 has a population of 27,170 at 7,723 people per square mile, while ZIP 94102 has 31,176 at 17,996 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 94103 reports a median household income of $116,438 against $60,431 in ZIP 94102, with per-capita income of $85,640 vs $62,708. The share of adults holding a bachelor's degree or higher is 54.2% in 94103 and 40.4% in 94102. Poverty rate reads 19.7% vs 24.4%, and unemployment 7.2% vs 7.7% — 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 $1,022,800 in 94103 versus $935,900 in 94102, with median rent of $2,218 and $1,536 per month respectively. Homeownership rate is 19.7% vs 8.0%. 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.