ZIP Code 94109

ZIP code 94109 is classified by USPS as a standard delivery area and covers roughly 3.1 square miles in San Francisco, San Francisco County, California. The area is home to 55,984 residents, producing a population density of 18,190 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 94109 against California and the nation.

On the economic side, the median household income for ZIP 94109 sits at $106,018 (4% above the California average), while per-capita income is $95,004. The poverty rate stands at 13.8% and the unemployment rate at 6.9%. On housing, the median home value is $1,300,300 (68% above the state average) with median rent at $2,177 per month, and 16.8% of occupied units are owner-occupied, a direct signal of whether 94109 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 63.8% of adults hold a bachelor's degree or higher, the median age is 39.4, and the average commute is 29 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Francisco County, so you can benchmark 94109 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →