San Francisco, CA 94114 Real Estate Market Report
ZIP Code: 94114
Report Date: May 2026
Market Temperature: HOT
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.
Market Overview
This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Market Metrics
Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Rental Market
Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.
Property Taxes
Liquidity & Velocity
Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.
Market Trends & Context
Understanding Market Temperature
A Hot market indicates strong buyer demand with limited inventory, typically characterized by rising prices, quick sales (low days on market), and inventory levels below historical averages.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in the San Francisco 94114 market average 6.5%, reflecting a stable interest rate environment for property owners compared to earlier 2026 benchmarks.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The primary indicator of market value is the median sold price, 2,226,000, which signals recent transaction-level strength and should be the anchor for appraisals and offer strategy in this neighborhood.
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There is a notable gap between the median listing price (1,495,000) and the median sold price, which may indicate pricing friction between seller expectations and closed transactions; sellers should align pricing to the representative recent sale to avoid extended time on market. moderate pricing friction
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The median days on market is 372, which suggests slower sales velocity despite high transaction prices; agents and sellers should plan for longer marketing periods and staged pricing strategies rather than expecting quick turnarounds. slower sales velocity
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Market context is positive for price appreciation—price year-over-year trend is up and market temperature is hot—while rent year-over-year trend is up and interest rate pressure is elevated (30-year fixed rates averaging 6.5% locally); investors should weigh rising rents and price momentum against higher financing costs when modeling returns. up
Notable Properties
The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Sold above market average
Sold at market average
San Francisco, CA 94114 Real Estate Market Report
ZIP Code: 94114
Report Date: May 2026
Market Temperature: HOT
Scope: This ZIP code analysis focuses on condominium properties. Metrics are calculated from recent condo sales and active listings within the past 90 days.
Market Overview
This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Market Metrics
Note: The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Rental Market
Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.
Property Taxes
Liquidity & Velocity
Note: A Sale-to-List Ratio near 100% can occur when properties sell at or near their final listing price after price adjustments during the listing period, even when initial listing prices differ significantly from sale prices.
Market Trends & Context
Understanding Market Temperature
A Hot market indicates strong buyer demand with limited inventory, typically characterized by rising prices, quick sales (low days on market), and inventory levels below historical averages.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in the San Francisco 94114 market average 6.5%, reflecting a stable interest rate environment for property owners compared to earlier 2026 benchmarks.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
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The neighborhood's primary market value indicator is the median sold price $1,329,000, which reflects recent transaction activity and is consistent with a market described as hot and a up price trend.
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The median listing price $1,195,000 is lower than the median sold price $1,329,000, which may indicate pricing friction where seller asking strategies and final transaction levels diverge; monitor for continued convergence before relying on listing prices as a valuation proxy.
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Sales velocity appears slow on a time-to-sale basis: the median days on market 457 suggests longer listing durations despite a hot market temperature and relatively constrained active supply, which may indicate selective buyer activity or higher buyer qualification thresholds.
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Rental and financing context: the median market rent $4,700 is rising (up) alongside prices, while interest rate pressure remains elevated with current 30-year fixed mortgage rates averaging 6.5%—this combination supports strong rent growth but may temper immediate buyer affordability and transaction breadth.
Notable Properties
The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Sold above market average
Sold above market average
Sold above market average
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 6.3% rate, 0.6% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 5/1/2026
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