San Francisco, CA · standard
ZIP Code 94132
San Francisco County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 28,129
- 3,492/sq mi High-density area
- $112,292
- Median income Above-median income area
- $1,470,700
- Median home value Above-median home value
- 58.0%
- 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, mixed-tenure area.
- Top 12%
- household income, US ZIPs
- Top 1%
- home value, US ZIPs
- 3,492
- people per sq mi
- 48%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94132 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 94132 (San Francisco, CA) fell -2.6% from 2023 to 2024. The all-transactions index moved from 317.4 in 2023 to 309.0 in 2024 (2000 = 100).
ZIP code 94132 is a densely settled ZIP (a standard USPS delivery area) in San Francisco, San Francisco County, California, with 28,129 residents across 8.1 square miles, a density of 3,492 people per square mile, in the Los Angeles time zone.
ZIP 94132 skews affluent, with a median household income of $112,292 (10% above the average California ZIP), while per-capita income is $62,832. The poverty rate is 14.8%, with unemployment at 8.3%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $1,470,700 (90% above the average California ZIP), with only 47.9% owner-occupied homes and median rent of $2,465.
This is a highly-educated ZIP: 58.0% of adults hold a bachelor's degree or higher, the median age is 40.6, 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 94132 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 94132
Top 5 sectors by establishment count in San Francisco, CA
Which industries have the most business establishments in ZIP 94132.
- Accommodation and food services
Accommodation and food services
77 establishments
- Health care and social assistance
Health care and social assistance
75 establishments
- Retail trade
Retail trade
59 establishments
- Other services (except public administration)
Other services (except public administration)
46 establishments
- Construction
Construction
41 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 94132, 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
28,129
Population
8.1
Area (sq mi)
3,492
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94132?
40.6
Median Age
50.7%
Male
49.3%
Female
40.0%
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?
$112,292
Median Household Income
+10% vs state ZIP avg
$62,832
Per Capita Income
14.8%
Poverty Rate
8.3%
Unemployment Rate
28.3 min
Mean Commute Time
How ZIP 94132 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)
$112,292 Top 33% higher than 67% 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
12,039housing units
12,039
Total Housing Units
10,533
Occupied Units
1,506
Vacant Units
2.36
Avg Household Size
Occupancy Type
$1,470,700
Median Home Value
+90% vs state ZIP avg
$2,465
Median Rent
1952
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-2.6%
YoY Change (2024)
309
HPI Index (2000 = 100)
+209%
Total Change Since 2000
Home values in ZIP 94132 have decreased 2.6% over the past year (2024). Since 2000, this ZIP has seen +209% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -3.4% | 269 |
| 2021 | +0.3% | 270 |
| 2022 | +4.0% | 280 |
| 2023 | +13.2% | 317 |
| 2024 | -2.6% | 309 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 450 business establishments in ZIP 94132, employing approximately 5,704 people with a combined annual payroll of $261,268,000.
450
Businesses
5,704
Employees
$261.3M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 77 | 17.1% |
| Health care and social assistance | 75 | 16.7% |
| Retail trade | 59 | 13.1% |
| Other services (except public administration) | 46 | 10.2% |
| Construction | 41 | 9.1% |
| Professional, scientific, and technical services | 39 | 8.7% |
| Real estate and rental and leasing | 26 | 5.8% |
| Finance and insurance | 21 | 4.7% |
| Educational services | 14 | 3.1% |
| Information | 11 | 2.4% |
| Administrative and support and waste management and remediation services | 11 | 2.4% |
| Arts, entertainment, and recreation | 10 | 2.2% |
| Wholesale trade | 8 | 1.8% |
| Transportation and warehousing | 7 | 1.6% |
| Manufacturing | 4 | 0.9% |
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 94132 vs 94116 →
ZIP 94132 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94112
San Francisco (94112)
79,407 residents
- 94015
Daly City (94015)
60,927 residents
- 94122
San Francisco (94122)
56,023 residents
- 94014
Daly City (94014)
47,014 residents
- 94116
San Francisco (94116)
43,698 residents
- 94121
San Francisco (94121)
41,203 residents
- 94134
San Francisco (94134)
40,798 residents
- 94118
San Francisco (94118)
38,319 residents
- 94132 28,129
San Francisco (94132)
28,129 residents
What this shows Among its immediate neighbors, ZIP 94132 ranks #9 by population - useful context the national average alone can't give.
ZIP 94132 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94127
San Francisco (94127)
$214,167 median income
- 94131
San Francisco (94131)
$199,211 median income
- 94118
San Francisco (94118)
$163,995 median income
- 94116
San Francisco (94116)
$158,921 median income
- 94122
San Francisco (94122)
$146,250 median income
- 94112
San Francisco (94112)
$135,119 median income
- 94121
San Francisco (94121)
$133,358 median income
- 94015
Daly City (94015)
$127,056 median income
- 94014
Daly City (94014)
$122,966 median income
What this shows By household income, ZIP 94132 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94116 | San Francisco, CA | 43,698 | 1.6 mi |
| 94122 | San Francisco, CA | 56,023 | 2.5 mi |
| 94127 | San Francisco, CA | 19,289 | 1.7 mi |
| 94112 | San Francisco, CA | 79,407 | 2.3 mi |
| 94015 | Daly City, CA | 60,927 | 2.8 mi |
| 94121 | San Francisco, CA | 41,203 | 3.8 mi |
| 94131 | San Francisco, CA | 26,881 | 2.8 mi |
| 94014 | Daly City, CA | 47,014 | 3.0 mi |
| 94134 | San Francisco, CA | 40,798 | 4.0 mi |
| 94118 | San Francisco, CA | 38,319 | 4.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 94132, 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 (28,129 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 94132 in?
ZIP code 94132 (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 94132?
ZIP code 94132 in San Francisco, CA has a population of 28,129 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94132?
The median household income in ZIP 94132 is $112,292, which is 47% above the national average of $76,288.
What is the average home value in ZIP 94132?
The median home value in ZIP 94132 is $1,470,700, which is 429% above the national average of $278,155.
What is the demographic makeup of ZIP 94132?
The largest racial group in ZIP 94132 is Asian at 46.5%. Hispanic or Latino residents make up 17.2% of the population.
How many businesses are in ZIP code 94132?
ZIP code 94132 has 450 business establishments employing approximately 5,704 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94132?
The top industries by establishment count in ZIP 94132 are: Accommodation and food services (77), Health care and social assistance (75), Retail trade (59). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 94132?
According to the FHFA House Price Index, home values in ZIP 94132 decreased by 2.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 209%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 94132?
In ZIP code 94132, 69.3% of residents aged 25+ have a high school diploma or higher, and 58.0% 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 94132?
The mean commute time for workers in ZIP code 94132 is 28.3 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 94132?
In ZIP code 94132, approximately 47.9% of occupied housing units are owner-occupied and 52.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94132?
The poverty rate in ZIP code 94132 is 14.8% 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 94132's numbers, next.
- See how ZIP 94132 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.