The ZIP Code 94109 is associated with the city of San Francisco in California in City and County of San Francisco County. Approximately 66.7% of residents in this California region hold a bachelor's degree or higher. The per capita income is estimated to be $86,074. The median age in the 94109 ZIP Code is 36.6 years, with 20.5% of residents aged 62 years and older. An estimated 5% of the population in this ZIP lives below the poverty line, while the median househould income is $94,278. The current population estimate is 57,302.
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The median household income in ZIP Code 94109 is $94,278, while the region's mean household income is $144,062. Breaking income down further, per capita income in the region is $86,074. The per capita income in ZIP Code 94109 of $86,074 is approximately 132.92% more than the per capita income in California overall of $36,955. An estimated 5.1% of the population is living below the poverty line in this region. This rate is approximately 46.32% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 22.8% of the population in 94109 earn $200,000 or more per year, while an estimated 14.6% earn $100,000 to $149,999 per year, and 4.5% of 94109 residents earn $25,000 to $34,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 7.0% |
| $10,000 to $14,999 per year | 6.5% |
| $15,000 to $24,999 per year | 7.0% |
| $25,000 to $34,999 per year | 4.5% |
| $35,000 to $49,999 per year | 6.7% |
| $50,000 to $74,999 per year | 11.3% |
| $75,000 to $99,999 per year | 8.7% |
| $100,000 to $149,999 per year | 14.6% |
| $150,000 to $199,999 per year | 10.9% |
| $200,000 or more per year | 22.8% |
In ZIP Code 94109, 91.4% of the population graduated high school, while 66.7% have a bachelor's degree or higher. In this region, 4.6% achieved an education level less than 9th grade, while 26.3% hold a graduate or professional degree. Approximately 9.8% in this City and County of San Francisco County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 4.6% |
| 9th to 12th grade, no diploma | 4.0% |
| High school graduate (includes equivalency) | 9.8% |
| Some college, no degree | 11.5% |
| Associate's degree | 3.5% |
| Bachelor's degree | 40.4% |
| Graduate or professional degree | 26.3% |
Looking at race in the population that makes up ZIP Code 94109, 95.3% is one race, while 4.7% are two or more races. Approximately 11.1% of 94109 residents are hispanic or Latino (of any race). The most common race in 94109 (race alone or in combination with one or more other races), is White (62.8%), followed by Asian (29.1%) .
| Industry | Percent |
|---|---|
| White | 62.8% |
| Black or African American | 5.5% |
| American Indian and Alaska Native | 1.4% |
| Asian | 29.1% |
| Native Hawaiian and Other Pacific Islander | 0.8% |
| Some other race | 5.6% |
The median home value in ZIP Code 94109 in January 2025 comes in at $1,678,426. The January 2025 value is approximately 2% higher than the $1,646,972 median value in August 2024, and 3% higher than the $1,632,744 median value in February 2024. Regarding the age of homes in ZIP Code 94109, an estimated 53.4% of homes were built in 1939 or earlier. Additionally, 11.4% of homes in the region were built between 1960 and 1969, while an estimated 1.2% of homes were built in 2014 or later in this City and County of San Francisco County region.
| Month | Home value |
|---|---|
| Jan 2025 | $1,678,426 |
| Dec 2024 | $1,668,386 |
| Nov 2024 | $1,659,420 |
| Oct 2024 | $1,650,474 |
| Sep 2024 | $1,649,523 |
| Aug 2024 | $1,646,972 |
| Jul 2024 | $1,648,454 |
| Jun 2024 | $1,643,351 |
| May 2024 | $1,639,944 |
| Apr 2024 | $1,630,139 |
| Mar 2024 | $1,627,948 |
| Feb 2024 | $1,632,744 |
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.2% |
| Built between 2010 and 2013 | 1.3% |
| Built between 2000 and 2009 | 3.5% |
| Built between 1990 and 1999 | 4.7% |
| Built between 1980 and 1989 | 5.7% |
| Built between 1970 and 1979 | 9.1% |
| Built between 1960 and 1969 | 11.4% |
| Built between 1950 and 1959 | 5.1% |
| Built between 1940 and 1949 | 4.6% |
| Built in 1939 or earlier | 53.4% |
Residents of ZIP Code 94109 are younger than average. The median age of 36.6 years in ZIP Code 94109 is approximately 3.94% lower than the overall median age in the U.S. of 38.1 years. About 94.1% of residents are aged 18 years and older, and 20.5% of residents are 62 years and over. Approximately 33.9% of the population in 94109 falls in the age group 25 to 34 years, while an estimated 15.3% are aged 35 to 44 years. On the low end of the scale, 1.2% of 94109 residents are aged 10 to 14 years.
| Age Range | Percent |
|---|---|
| Under 5 years | 2.6% |
| 5 to 9 years | 1.3% |
| 10 to 14 years | 1.2% |
| 15 to 19 years | 1.9% |
| 20 to 24 years | 5.2% |
| 25 to 34 years | 33.9% |
| 35 to 44 years | 15.3% |
| 45 to 54 years | 10.7% |
| 55 to 59 years | 5.5% |
| 60 to 64 years | 5.6% |
| 65 to 74 years | 7.8% |
| 75 to 84 years | 5.6% |
| 85 years and over | 3.3% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 94109 is current access to health insurance, as an estimated 93.9% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 94109 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 93.9% |
| Risk Behavior | Percent of adults* |
|---|
In 94109, 73.0% of the population is in the labor force. Recent estimates place 6.4% as working from home, while the total labor force in the region has a mean travel to time to work of 31.9 minutes. Approximately 29.7% of the employed population 16 years and over in 94109 work in professional, scientific, management, and administrative, while an estimated 12.9% work in educational services, and health care and social assistance. On the lower end of the scale, just 0.1% of 94109 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.1% |
| Construction | 1.7% |
| Manufacturing | 4.4% |
| Wholesale trade | 2.6% |
| Retail trade | 8.4% |
| Transportation and warehousing, and utilities | 2.2% |
| Information | 8.2% |
| Finance and insurance, and real estate and rental and leasing | 12.4% |
| Professional, scientific, management, and administrative | 29.7% |
| Educational services, and health care and social assistance | 12.9% |
| Arts, entertainment, and recreation, and accommodation and food services | 11.4% |
| Other services, except public administration | 3.7% |
| Public administration | 2.3% |
In ZIP Code 94109, 66.9% of the population lists "English only" as the language spoken in home, while 7.0% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 7.4% of homes, and other Indo-European languages are spoken in 17.3% of homes. Lastly, 1.4% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this City and County of San Francisco County region.
| Language Spoken | Percent |
|---|---|
| English only | 66.9% |
| Spanish | 7.0% |
| Other Indo-European languages | 7.4% |
| Asian and Pacific Islander languages | 17.3% |
| Other languages | 1.4% |
Regarding consumer complaints about financial products in ZIP Code 94109, checking or savings account have received the most complaints in 94109 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this City and County of San Francisco County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Checking or savings account | 65 |
| Credit reporting or credit repair services | 58 |
| Credit reporting or other personal consumer reports | 52 |
| Credit card or prepaid card | 37 |
| Debt collection | 24 |
| Other | 70 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 50 |
| Managing an account | 39 |
| Improper use of your report | 28 |
| Problem with a company's investigation into an existing problem | 18 |
| Problem with a purchase shown on your statement | 18 |
| Other | 153 |
Regarding solar power potential, ZIP Code 94109 has an average daily solar radiation level of 5.59 kWh/m2/day. This is approximately 35.68% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 15.17% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 94109 | 15.34¢/kWh | 8.98¢/kWh | 5.17¢/kWh |
| California | 30.55¢/kWh | 23.13¢/kWh | 19.8¢/kWh |
| United States | 16.26¢/kWh | 12.76¢/kWh | 8.01¢/kWh |
| Month | ZIP Code 94109 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.77 | 1.9 | 5.84 |
| Feb | 4.53 | 3 | 6.31 |
| Mar | 5.85 | 3.65 | 7.02 |
| Apr | 6.57 | 5.13 | 7.3 |
| May | 6.48 | 5.17 | 7.13 |
| Jun | 6.57 | 5.72 | 6.95 |
| Jul | 6.3 | 6.22 | 6.51 |
| Aug | 6.15 | 6.08 | 6.65 |
| Sep | 6.54 | 5.15 | 7.02 |
| Oct | 5.72 | 3.32 | 6.92 |
| Nov | 4.71 | 2.33 | 5.99 |
| Dec | 3.9 | 1.78 | 5.46 |