Real Estate Investing in San Francisco, California (94107)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 94107 (San Francisco, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- High vacancy: 17.5% of homes vacant — above national norms.
- Declining values: -1.1% 5-year CAGR — values have moved lower.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in San Francisco, CA (94107)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 94107 San Francisco
ZIP 94107 inside San Francisco County looks affordable on the surface — median value of $1.0M — but the discount exists for reasons that a careful buyer should understand before committing.
Distressed markets are won on execution, not on spreadsheets. ZIP 94107 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
In the broader CA picture, 94107 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
A solid renter share of 64% in 94107 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategically, 94107 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in San Francisco:
Property Strategy for 94107
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $698,378 | $3,880 | 4.0% | -3.7% | $698,378 |
| 2BR | $1,081,566 | $4,700 | 3.1% | -2.7% | $540,783 |
| 3BR | $1,518,630 | $6,000 | 2.8% | -1.5% | $506,210 |
| 4BR | $2,337,663 | $6,220 | 1.9% | -1.3% | $584,416 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 94107 Compare?
| Metric | 94107 | San Francisco | San Francisco-Oakland-Berkeley, CA | California |
|---|---|---|---|---|
| Home Value | $1,040,849 | $693,502 | N/A | $761,003 |
| 5-Year CAGR | N/A | N/A | N/A | 5.7% |
| Avg Rent | $4,781 | $4,437 | N/A | - |
| Cap Rate | 3.6% | 2.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 94107 (San Francisco, CA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 94107 (San Francisco, CA)?
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Property managers serving San Francisco County
Manage rentals here? List your business →2B Living offers reimagined property management services, including residential management, property onboarding, accounting, and reporting, for properties around the Bay Area. summary from their website
Azari Property Management provides one-stop real estate service as a property management company since 2006. summary from their website
Boardwalk Investments Property Management specializes in property management and leasing in San Francisco and the Northern Peninsula. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $1,040,849 |
| Monthly Rent | $4,781 |
| Price-to-Rent | 18.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 2.5% |
📈 Home Appreciation
| 1-Year | +10.8% ▲ |
| 3-Year CAGR | +1.5% ▲ |
| 5-Year CAGR | -1.1% ▼ |
| 10-Year CAGR | -0.6% ▼ |
🏠 Rent Trends
| 1-Year | +20.1% ▲ |
| 3-Year CAGR | +11.2% ▲ |
| 5-Year CAGR | +6.8% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 94107
Population: 30,190
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 94107
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Everett Middle
Marshall (Thurgood) High
Francisco Middle
Lick (James) Middle
O'Connell (John) High
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How high is vacancy risk in San Francisco, CA?
Occupancy in San Francisco, CA runs steady with elevated vacancy. Well-priced units at $4,781/mo lease on reasonable timelines.
What is it like being a landlord in San Francisco, CA?
San Francisco, CA operates under CA law, which is tenant-protective overall for landlords. Expect reliable treatment in typical lease and eviction cases.
How much rent can I charge in San Francisco, CA?
The typical rental in San Francisco, CA commands about $4,781/mo monthly. That rent profile stable cash flow against the $1.0M purchase basis.
What is the best play in San Francisco, CA?
Investors usually favor careful cash-flow rentals with hands-on management in San Francisco, CA. With home values at $1.0M and rents near $4,781/mo, other strategies can work but produce steady rather than outsized returns.
How does San Francisco, CA rate as a rental market?
Yes - San Francisco, CA a 2.0/5 investability score. With $1.0M home prices against $4,781/mo monthly rent, the market delivers a reasonable entry point for new investors.
You know 94107 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 94107 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 94107 ranks in San Francisco-Oakland-Berkeley, CA
Every ZIP in this metro, ranked. Free.
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