Real Estate Investing in San Francisco, California (94158)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

San Francisco County • Population: 11,206 • Data updated: September 2026

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Should you buy in 94158 (San Francisco, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (35/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
3 flags
  • Elevated vacancy: 9.4% vacancy may signal weakening demand.
  • Flat appreciation: Values have barely moved over 5 years (1.2% CAGR).
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in San Francisco, CA (94158)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $1,348,043
Avg Monthly Rent $5,587
1% Rule ✗ Does Not Meet
Median Income $180,208
% Renters 62.2%

Market Analysis: 94158 San Francisco

The 94158 ZIP covers a section of San Francisco that demands careful diligence. Prices near $1.3M look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $1.3M asset, 94158 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader CA picture, 94158 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

From an investor standpoint, 11,206 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in San Francisco:

C Below Average
Buy Confidence Score: 53/100
Affordability
5/25
Appreciation
14/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.5× the median income
Value Trend
Rising (+11.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $5,587/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
San Francisco-Oakland-Berkeley, CA Metro Area
Even conditions for buyers and sellers
38 days
Average time to sell
Average
7.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from San Francisco-Oakland-Berkeley, CA metro data
🏠

Property Strategy for 94158

Which property type performs best in this market?

Best for Cash Flow
1BR
3.1% cap rate
Best for Appreciation
2BR
-1.0% 5yr CAGR
Best Overall Value
3BR
$650,134/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $834,479 $3,610 3.1% -2.1% $834,479
2BR $1,352,130 $4,370 2.3% -1.0% $676,065
3BR $1,950,402 $5,580 2.1% -1.1% $650,134

Market Trends

Home Value History (with trend line)

$1.4M$1.3M$1.1M$928K$758K$587KSep 2010Aug 2018Jul 2026

Rent History (with trend line)

$5,799$5,185$4,571$3,957$3,343$2,729Jan 2018May 2022Jul 2026

📊 How Does 94158 Compare?

Metric 94158 San Francisco San Francisco-Oakland-Berkeley, CA California
Home Value $1,348,043 $693,502 N/A $761,003
5-Year CAGR 1.2% N/A N/A 5.7%
Avg Rent $5,587 $4,437 N/A -
Cap Rate 3.2% 2.6% - -
💡 Why Invest in 94158? Click to expand

62% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 94158 (San Francisco, CA). Anonymous, moderated, never written by AI.

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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

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Azari Property Management provides one-stop real estate service as a property management company since 2006. summary from their website

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Boardwalk Investments Property Management specializes in property management and leasing in San Francisco and the Northern Peninsula. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Fair
Cap Rate
3.2%
Low
5yr Growth
+1.2%
Slow

📊 Market Snapshot

Home Value $1,348,043
Monthly Rent $5,587
Price-to-Rent 20.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.0%
Cap Rate 3.2%
5-Year IRR 4.4%

📈 Home Appreciation

1-Year +11.6% ▲
3-Year CAGR +2.9% ▲
5-Year CAGR +1.2% ▲
10-Year CAGR +1.0% ▲

🏠 Rent Trends

1-Year +23.8% ▲
3-Year CAGR +12.3% ▲
5-Year CAGR +6.9% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). 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.

Vacancy
9.4%
Moderate risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+1.2%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 94158

Population: 11,206

💰 Median Household Income
$180,208
This area
$180,208
State
$94,164
USA
$74,580
🏠 Renter Occupied
62.2%
This area
62.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-16.6%
USA
3.7%
🎓 College Educated
75.8%
This area
75.8%
State
7.7%
USA
33.7%
👤 Median Age
33.6 years
This area
33.6 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
9.4%
This area
9.4%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
Asian 44.4%
White 28.3%
Other/Mixed 17.5%
Hispanic/Latino 12.6%
Black/African American 9.8%
👶 Under 18
18.2%
This area
18.2%
USA
22.0%
👴 65 and Over
8.7%
This area
8.7%
USA
17.3%
📊 Poverty Rate
2.2%
This area
2.2%
USA
11.5%

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 94158

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Everett Middle

📚 06 – 08 Middle
📍 450 Church St., San Francisco
👥
467 Students
👨‍🏫
14.4:1 Class Size
💰
$27,074 Per Student
A+ Excellent

Marshall (Thurgood) High

📚 09 – 12 High School
📍 45 Conkling St., San Francisco
👥
477 Students
👨‍🏫
14.3:1 Class Size
💰
$27,074 Per Student
A Very Good

Francisco Middle

📚 06 – 08 Middle
📍 2190 Powell St., San Francisco
👥
511 Students
👨‍🏫
15.8:1 Class Size
💰
$27,074 Per Student
A Very Good

King (Thomas Starr) Elementary

📚 K – 05 Elementary
📍 1215 Carolina St., San Francisco
👥
335 Students
👨‍🏫
16.6:1 Class Size
💰
$27,074 Per Student
A Very Good

Lick (James) Middle

📚 06 – 08 Middle
📍 1220 Noe St., San Francisco
👥
476 Students
👨‍🏫
16.5:1 Class Size
💰
$27,074 Per Student
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

8 Nearby
C
California College of the Arts
1,333 students · 0.5 mi
C
San Francisco Institute of Esthetics & Cosmetology Inc
202 students · 0.9 mi
C
Presidio Graduate School
103 students · 1.2 mi
B
Minerva University
656 students · 1.2 mi
C
Academy of Art University
6,320 students · 1.3 mi
D
Golden Gate University
2,262 students · 1.3 mi
C
California Institute of Integral Studies
2,047 students · 1.4 mi
C
University of California College of the Law-San Francisco
1,216 students · 1.5 mi

Frequently Asked Questions

Is housing expensive in San Francisco, CA?

In San Francisco, CA the median home value sits at $1.3M. Against the broader CA market, that reads as reasonable for most investors.

Are renters plentiful in San Francisco, CA?

Tenant demand in San Francisco, CA is solid. The local workforce $5,587/mo rents across most rental classes.

Is San Francisco, CA a smart market for rental property?

Our data puts San Francisco, CA at 2.0/5 for investability. Home prices of $1.3M and rents around $5,587/mo create a solid backdrop for investor activity.

Is San Francisco, CA a friendly market for rental owners?

The landlord environment in San Francisco, CA is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

How quickly do rentals get leased in San Francisco, CA?

Occupancy in San Francisco, CA runs even-keeled with elevated vacancy. Well-priced units at $5,587/mo lease on reasonable timelines.

You know 94158 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 94158 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.

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How 94158 ranks in San Francisco-Oakland-Berkeley, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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