Mortgage Rates for ZIP Code 94101 — San Francisco, California — October 2026
Rate benchmark date: October 15, 2026 | National benchmark rates with Amortio estimated inputs for ZIP code 94101 in San Francisco, CA
ZIP code 94101 is located in San Francisco, California. The population, home value, and income figures on this page are Amortio modeled estimates derived from San Francisco city-level inputs, not Census ZIP-level counts. The 30-year fixed benchmark used here is 7.4%, the national Freddie Mac PMMS average as of October 15, 2026. With an estimated home value of $1,206,013 and a 20% down payment of $241,203, homebuyers in ZIP 94101 can expect a monthly principal and interest payment of approximately $6,680.
Mortgage Rate Benchmarks for ZIP Code 94101
Below are the national benchmark rates applied to ZIP code 94101 (San Francisco, CA) as of October 15, 2026. The 30-year and 15-year fixed rows are Freddie Mac PMMS averages; the ARM, FHA, VA, and jumbo rows are Amortio planning estimates. These are not ZIP-specific lender quotes. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator to see your personalized estimate.
| Loan Type | Rate Used | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 7.4% | 7.4% | 0% |
| 15-Year Fixed | 6.71% | 6.71% | 0% |
| 5/1 ARM | 6.87% | 6.87% | 0% |
| FHA | 6.77% | 6.77% | 0% |
| VA | 6.57% | 6.57% | 0% |
| Jumbo | 7.17% | 7.17% | 0% |
Housing Market in ZIP Code 94101
The housing market in ZIP code 94101 (San Francisco) is competitive with prices well above the national median. Amortio's modeled household income input for this area is $121,062, and the estimated cost of living index is 177 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $320,314 to comfortably afford a home at the estimated value, which exceeds the modeled income input.
Monthly Payment Breakdown for ZIP 94101
Based on the estimated home value of $1,206,013 with 20% down ($241,203), here is what you can expect to pay monthly in ZIP code 94101:
15-Year vs. 30-Year Mortgage in ZIP 94101
Choosing a 15-year mortgage in ZIP code 94101 at 6.71% instead of a 30-year at 7.4% would save you $871,920 in total interest over the life of the loan. However, your monthly payment would be $8,516 instead of $6,680 — an increase of $1,836 per month.
Methodology & Mortgage Rate Data Sources
How we calculate mortgage figures for ZIP code 94101: Rates are not adjusted for this ZIP code. The 30-year and 15-year fixed rows use the Freddie Mac PMMS national average dated October 15, 2026; ARM, FHA, VA, and jumbo rows are Amortio planning estimates. Home value, income, population, and cost-of-living figures are modeled estimates derived from San Francisco city-level inputs, not ZIP-level property records.
- Benchmark rates from Freddie Mac PMMS weekly survey , the most widely cited source for 30-year and 15-year fixed conforming mortgage rates.
- Check local home prices against the FHFA House Price Index and US Census Bureau ACS housing value estimates for the county containing ZIP 94101; the estimate on this page is not taken from those sources.
- Conforming loan limit for ZIP 94101 set by the FHFA Annual Conforming Loan Limit , $832,750 for most US counties in 2026, higher in designated high-cost areas.
- Check flood zone status and insurance cost factors with the FEMA Flood Map Service Center , relevant for property in or near flood zones in this ZIP code.
- Mortgage consumer protections per CFPB Mortgage Tools , the Consumer Financial Protection Bureau's buyer's guide and rate comparison resources.
Authoritative mortgage rate sources:
- Freddie Mac PMMS, weekly 30yr and 15yr fixed rate survey
- FRED, Federal Reserve Economic Data, interest rate history and forecasts
- FHFA, conforming loan limits and house price index
- HUD, FHA mortgage programs and down payment assistance
- FEMA Flood Map Service, flood zone status for ZIP 94101
- CFPB, mortgage consumer protections and rate tools
Rate Disclaimer: Rates shown are national benchmarks and planning estimates, not quotes for 94101, and may not reflect your actual rate. Your rate depends on credit score, LTV ratio, loan type, and lender. Rates change daily. Obtain personalized quotes from multiple lenders. This is not a loan offer.
Reviewed by Elena Farrow · Rate benchmark dated October 15, 2026 (Freddie Mac PMMS) · 2026 FHFA baseline conforming loan limit
Calculate Your Mortgage Payment for ZIP 94101
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About ZIP Code 94101
What are the current mortgage rates in ZIP code 94101?
Amortio does not have lender rate data specific to ZIP code 94101. As of October 15, 2026, the national benchmark used on this page is 7.4% for a 30-year fixed and 6.71% for a 15-year fixed (Freddie Mac Primary Mortgage Market Survey). The FHA (6.77%) and VA (6.57%) figures are Amortio planning estimates, not survey averages. Actual quotes in San Francisco, California vary by lender, credit score, down payment, points, and loan type.
What is the median home price in ZIP code 94101?
Amortio's estimated home value input for ZIP code 94101 is $1,206,013. It is a modeled planning figure derived from San Francisco city-level inputs, not a reported sales median. With a 20% down payment of $241,203, estimated principal and interest is $6,680 per month plus about $794 in property taxes.
How much income do I need to buy a home in ZIP 94101?
Using the 28% rule, you would need an annual income of approximately $320,314 to afford a home at the $1,206,013 estimated value used for ZIP code 94101. Amortio's modeled household income input for this area is $121,062; check Census ACS data for the official ZIP-level figure. That income input is below this threshold, so households would need to earn more or consider homes below $1,206,013.
How do mortgage rates in ZIP 94101 compare to the national average?
The rates shown for ZIP code 94101 are the national benchmark itself (7.4% for a 30-year fixed as of October 15, 2026), so they do not show a local premium or discount. Real quotes in San Francisco, California can differ with lender competition, loan size, property type, and borrower profile, so compare several Loan Estimates.
Explore San Francisco, California Mortgage Rates
Other ZIP Codes in San Francisco, CA
Related Tools & Guides
Rate benchmark date: October 15, 2026. Rates are national benchmarks and planning estimates applied to ZIP code 94101 in San Francisco, California, not local lending data. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.