ZIP 94109 vs ZIP 94108

This side-by-side compares ZIP 94109 (San Francisco, CA) and ZIP 94108 (San Francisco, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 94109 has a population of 55,984 at 18,190 people per square mile, while ZIP 94108 has 13,768 at 19,721 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 94109 reports a median household income of $106,018 against $65,388 in ZIP 94108, with per-capita income of $95,004 vs $66,952. The share of adults holding a bachelor's degree or higher is 63.8% in 94109 and 47.4% in 94108. Poverty rate reads 13.8% vs 21.3%, and unemployment 6.9% vs 9.3% — 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 $1,300,300 in 94109 versus $1,134,100 in 94108, with median rent of $2,177 and $1,637 per month respectively. Homeownership rate is 16.8% vs 10.9%. 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.