Let the numbers do the talking.
San Francisco, CA 94102 vs San Francisco, CA 94103
San Francisco, CA 94102 vs San Francisco, CA 94103: What the data shows
San Francisco, CA 94102 and San Francisco, CA 94103 are two ZIP codes within San Francisco. On home prices, San Francisco, CA 94102 is the more affordable option at $1,039,000 median — $26,100 less than San Francisco, CA 94103's $1,065,100. WYLT rates San Francisco, CA 94102 as “Think twice” — a neighborhood that warrants careful research before committing — and San Francisco, CA 94103 as “Settle here” — an excellent place to put down roots.
San Francisco, CA 94103 has the stronger safety profile of the two. San Francisco, CA 94102 has Moderate violent crime and High property crime. San Francisco, CA 94103 has Moderate violent crime and Moderate property crime. On environmental risk, San Francisco, CA 94102 has Low flood risk and San Francisco, CA 94103 has Low flood risk.
San Francisco, CA 94102 is the more walkable neighborhood. San Francisco, CA 94102 scores 97/100 (exceptionally walkable) versus San Francisco, CA 94103's 90/100 (exceptionally walkable). For families weighing school quality, both neighborhoods have the same school rating — San Francisco, CA 94102 rates 5/10 and San Francisco, CA 94103 rates 5/10.
| Category | San Francisco, CA 94102 | San Francisco, CA 94103 |
|---|---|---|
| Housing | ||
| Verdict | Think twice | Settle here |
| Median Price | $1.04M ✓ Lower price | $1.07M |
| Median Rent | $2K ✓ Lower rent | $2K |
| Median Income | $62K | $111K ✓ Higher income |
| Price Volatility | Moderate ✓ More stable | High |
| Getting Around | ||
| Walk Score | 97/100 ✓ More walkable | 90/100 |
| Transit Score | 100/100 ✓ Better transit | 73/100 |
| Bike Score | 76/100 | 80/100 ✓ More bikeable |
| Commute | 4 min | 2 min ✓ Shorter commute |
| Safety & Environment | ||
| Safety Grade | F | D+ ✓ Safer |
| Violent Crime | Moderate | Moderate |
| Property Crime | High | Moderate ✓ Lower risk |
| Flood Risk | Low | Low |
| Air Quality | Good | Good |
| Community | ||
| Schools | 5/10 | 5/10 |
| Best for | Young professionalsRemote workersFoodies | Tech professionals who need proximity to downtownRemote workers who value walkability and public transitYoung singles and couples looking for a vibrant city lifestyle |
Bottom line
If you value convenience, world-class walkability, and unbeatable transit, and are willing to pay a premium for the privilege, 94103 is the clear choice. However, for those on a fixed budget or prioritizing affordability, San Francisco is likely too expensive and should elicit a Think Twice verdict due to its extremely high cost of living. Ultimately, 94103 is best for those who can afford to settle in the heart of San Francisco.
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