PlainZIP

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
$116,438
Median income
$1,022,800
Median home value
54.2%
Bachelor's or higher

The verdict

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 California average), while per-capita income is $85,640. Poverty here runs at 19.7%, with unemployment measured at 7.2%. The typical home here is valued at $1,022,800 (32% above the state average); renters pay a median of $2,218 monthly, and 19.7% of units are owner-occupied.

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. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 94103, plus 6 more within San Francisco County, give a clearer read than the national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 94103?

37.6

Median Age

60.3%

Male

39.7%

Female

38.8%

Foreign-Born

White 32.3%
African American 9.5%
Asian 34.0%
American Indian or Alaska Native 2.1%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 10.5%
Hispanic or Latino 20.4%

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

$85,640

Per Capita Income

19.7%

Poverty Rate

7.2%

Unemployment Rate

27.7 min

Mean Commute Time

How ZIP 94103 ranks nationally

San Francisco, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$116,438 Top 11% higher than 89% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 69.1%
Bachelor's Degree or Higher 54.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

21,609

Total Housing Units

17,952

Occupied Units

3,657

Vacant Units

1.77

Avg Household Size

Occupancy Type

Owner 19.7%
Renter 80.3%

$1,022,800

Median Home Value

+32% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 94103 ranks #4 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 94103 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in San Francisco County

94112 standard
San Francisco, CA
Pop: 79,407
94110 standard
San Francisco, CA
Pop: 69,333
94122 standard
San Francisco, CA
Pop: 56,023
94109 standard
San Francisco, CA
Pop: 55,984
94116 standard
San Francisco, CA
Pop: 43,698
94121 standard
San Francisco, CA
Pop: 41,203

Related Areas

San Francisco County San Francisco, CA California

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.

Read our methodology to see how this data is sourced, computed, and verified.