San Francisco, CA · standard
ZIP Code 94103
San Francisco County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 27,170
- 7,723/sq mi High-density area
- $116,438
- Median income Above-median income area
- $1,022,800
- Median home value Above-median home value
- 54.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
San Francisco pairs an upper-quartile household income with top-decile home values, in a suburban-density, renter-heavy area.
- Top 11%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 7,723
- people per sq mi
- 20%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94103 against every reporting US ZIP.
ZIP code 94103 is a densely settled ZIP (a standard USPS delivery area) in San Francisco, San Francisco County, California, with 27,170 residents across 3.5 square miles, a density of 7,723 people per square mile, in the Los Angeles time zone.
ZIP 94103 skews affluent, with a median household income of $116,438 (15% above the average California ZIP), while per-capita income is $85,640. The poverty rate is 19.7%, with unemployment at 7.2%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $1,022,800 (32% above the average California ZIP), with only 19.7% owner-occupied homes and median rent of $2,218.
This is a highly-educated ZIP: 54.2% of adults hold a bachelor's degree or higher, the median age is 37.6, and the average commute is 28 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in San Francisco County, so 94103 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 94103
Top 5 sectors by establishment count in San Francisco, CA
Which industries have the most business establishments in ZIP 94103.
- Professional, scientific, and technical services
Professional, scientific, and technical services
493 establishments
- Retail trade
Retail trade
381 establishments
- Accommodation and food services
Accommodation and food services
345 establishments
- Other services (except public administration)
Other services (except public administration)
227 establishments
- Health care and social assistance
Health care and social assistance
208 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 94103, San Francisco, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
27,170
Population
3.5
Area (sq mi)
7,723
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94103?
37.6
Median Age
60.3%
Male
39.7%
Female
38.8%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$116,438
Median Household Income
+15% vs state ZIP avg
$85,640
Per Capita Income
19.7%
Poverty Rate
7.2%
Unemployment Rate
27.7 min
Mean Commute Time
How ZIP 94103 ranks among California ZIPs
San Francisco, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$116,438 Top 29% higher than 71% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
21,609housing units
21,609
Total Housing Units
17,952
Occupied Units
3,657
Vacant Units
1.77
Avg Household Size
Occupancy Type
$1,022,800
Median Home Value
+32% vs state ZIP avg
$2,218
Median Rent
1998
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 2,584 business establishments in ZIP 94103, employing approximately 86,959 people with a combined annual payroll of $16,291,209,000.
2,584
Businesses
86,959
Employees
$16.3B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 493 | 19.1% |
| Retail trade | 381 | 14.7% |
| Accommodation and food services | 345 | 13.3% |
| Other services (except public administration) | 227 | 8.8% |
| Health care and social assistance | 208 | 8.1% |
| Information | 205 | 7.9% |
| Real estate and rental and leasing | 135 | 5.2% |
| Wholesale trade | 118 | 4.6% |
| Construction | 90 | 3.5% |
| Administrative and support and waste management and remediation services | 83 | 3.2% |
| Finance and insurance | 75 | 2.9% |
| Manufacturing | 74 | 2.9% |
| Arts, entertainment, and recreation | 71 | 2.8% |
| Educational services | 39 | 1.5% |
| Transportation and warehousing | 21 | 0.8% |
| Management of companies and enterprises | 11 | 0.4% |
| Industries not classified | 5 | 0.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 94103 vs 94102 →
ZIP 94103 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94110
San Francisco (94110)
69,333 residents
- 94109
San Francisco (94109)
55,984 residents
- 94102
San Francisco (94102)
31,176 residents
- 94103 27,170
San Francisco (94103)
27,170 residents
- 94107 26,599
San Francisco (94107)
26,599 residents
- 94133 26,237
San Francisco (94133)
26,237 residents
- 94108 13,768
San Francisco (94108)
13,768 residents
- 94105 5,846
San Francisco (94105)
5,846 residents
- 94158 4,792
San Francisco (94158)
4,792 residents
What this shows Among its immediate neighbors, ZIP 94103 ranks #4 by population - useful context the national average alone can't give.
ZIP 94103 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94105
San Francisco (94105)
$225,000 median income
- 94158
San Francisco (94158)
$196,506 median income
- 94107
San Francisco (94107)
$182,897 median income
- 94110
San Francisco (94110)
$158,351 median income
- 94111
San Francisco (94111)
$152,697 median income
- 94103
San Francisco (94103)
$116,438 median income
- 94109
San Francisco (94109)
$106,018 median income
- 94133 $87,191
San Francisco (94133)
$87,191 median income
- 94108 $65,388
San Francisco (94108)
$65,388 median income
What this shows By household income, ZIP 94103 ranks #6 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94102 | San Francisco, CA | 31,176 | 0.6 mi |
| 94108 | San Francisco, CA | 13,768 | 1.3 mi |
| 94107 | San Francisco, CA | 26,599 | 1.0 mi |
| 94158 | San Francisco, CA | 4,792 | 1.3 mi |
| 94104 | San Francisco, CA | 406 | 1.4 mi |
| 94110 | San Francisco, CA | 69,333 | 1.6 mi |
| 94133 | San Francisco, CA | 26,237 | 2.1 mi |
| 94109 | San Francisco, CA | 55,984 | 1.6 mi |
| 94105 | San Francisco, CA | 5,846 | 1.5 mi |
| 94111 | San Francisco, CA | 3,713 | 1.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 94103, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (27,170 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Francisco County
Related Areas
Frequently Asked Questions
What county is ZIP code 94103 in?
ZIP code 94103 (San Francisco) is located in San Francisco County, California. San Francisco County contains multiple ZIP codes, see the full list at /counties/san-francisco-ca.
What is the population of ZIP code 94103?
ZIP code 94103 in San Francisco, CA has a population of 27,170 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94103?
The median household income in ZIP 94103 is $116,438, which is 53% above the national average of $76,288.
What is the average home value in ZIP 94103?
The median home value in ZIP 94103 is $1,022,800, which is 268% above the national average of $278,155.
What is the demographic makeup of ZIP 94103?
The largest racial group in ZIP 94103 is Asian at 34.0%. Hispanic or Latino residents make up 20.4% of the population.
How many businesses are in ZIP code 94103?
ZIP code 94103 has 2,584 business establishments employing approximately 86,959 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94103?
The top industries by establishment count in ZIP 94103 are: Professional, scientific, and technical services (493), Retail trade (381), Accommodation and food services (345). There are 17 industry sectors represented in total.
What is the education level in ZIP code 94103?
In ZIP code 94103, 69.1% of residents aged 25+ have a high school diploma or higher, and 54.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 94103?
The mean commute time for workers in ZIP code 94103 is 27.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 94103?
In ZIP code 94103, approximately 19.7% of occupied housing units are owner-occupied and 80.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94103?
The poverty rate in ZIP code 94103 is 19.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 94103's numbers, next.
- See how ZIP 94103 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where San Francisco, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.