Top 10 San Francisco Zip Codes with Highest Appraisal Values (2026)

 

Top 10 San Francisco Zip Codes with the Highest Appraisal Values

Author: Ms San Francisco Real Estate | Last Updated: January, 2026

 

Currently, real estate is hyper-local. In San Francisco, this is especially true. Therefore, your zip code dictates your value. In fact, two neighbors can have different prices. Why? Because the zip code boundary matters.

Frequently, clients ask us a question. Specifically, “How much is my home worth?” Usually, the answer starts with five digits. Thus, your location is the baseline.

Proudly, Ms. San Francisco Real Estate guides you. Consistently, we help you understand the map. Below is the 2026 list of top-performing zip codes.

 

🗺️ How Zip Codes Drive Appraisals

First, understand the math. Basically, appraisers use zip codes to find “comps.” Specifically, they look for similar sales nearby.

Key factors include:

  • Scarcity: If homes are rare, value rises.
  • Views: Undoubtedly, a bridge view adds value.
  • Schools: Often, good schools boost prices.
  • Walkability: In SF, buyers pay for convenience.

Consequently, the zip code sets the floor. Then, your home’s condition sets the ceiling.

 

🏆 The Top 10 High-Value Zip Codes

Here are the heavy hitters. Consistently, these areas appraise highest.

1. 94123 – Marina District

Visually, this area is stunning. Therefore, demand is huge. Typically, buyers love the Palace of Fine Arts. Also, they love the flat streets. Thus, condos here sell for a premium.

2. 94115 – Pacific Heights

Widely, this is the “Gold Coast.” In fact, it is the most prestigious zip. Here, you find mansions. Also, you find sweeping bay views. Consequently, appraisals are massive.

3. 94118 – Presidio Heights

Quietly, this area holds value. It sits near the park. Typically, families love the calm streets. Therefore, prices remain very stable.

4. 94121 – Sea Cliff

Uniquely, this is a beachside enclave. Here, homes sit on cliffs. Because inventory is low, prices stay high. Indeed, ocean views drive the numbers.

5. 94110 – Mission Dolores

Culturally, this is the heart of the city. Currently, tech buyers love it. Specifically, they want walkability. Also, they want the weather. Thus, modern condos appraise well here.

6. 94114 – Noe Valley

Consistently, this is a family favorite. It feels like a village. Therefore, resale value is excellent. Appraisers see this as a safe bet.

7. 94109 – Russian Hill

Iconically, this is San Francisco. Here, you have cable cars. Also, you have views. However, parking is tight. If you have a garage, value spikes.

8. 94108 – Nob Hill

Historically, this is old money. Today, it is a mix. Appraisals depend on the building. Specifically, luxury condos do best here.

9. 94131 – Glen Park

Surprisingly, this is a hidden gem. It feels like the suburbs. However, it has a BART station. Therefore, commuters pay top dollar.

10. 94116 – Outer Sunset

Recently, this area heated up. Why? Because it offers value. Also, it is near the beach. Consequently, appraisals are rising fast.

 

📊 What Drives the Value?

To clarify, here is a breakdown. Appraisers look for these traits.

appraisal breakdown

💡 Buying in High-Value Zips

If you buy here, be ready. Competition is fierce.

  • Expect Gaps: Often, the price exceeds the appraisal.
  • Check Comps: Always verify the price.
  • Cash Helps: Frequently, cash wins the deal.

Ms. San Francisco Real Estate protects you. We analyze the data first.

 

💰 Selling Strategy

Conversely, if you sell, be smart. You must defend your price.

Our Strategy:

  1. Document: First, list every upgrade.
  2. Price: Then, set a realistic number.
  3. Prepare: Finally, fix deferred maintenance.

By doing this, we justify the high appraisal.

 

🔗 Trust and Authority

Undoubtedly, local knowledge is key. We are Designated Local Experts™. Effectively, this means we know the zip codes. Google recognizes this expertise.

 

❓ FAQs: Zip Codes & Appraisals

Do zip codes really matter? Yes. Absolutely, they set the baseline price.

Can similar homes have different values? Yes. If the zip code changes, value changes.

Which zip is best for stability? Typically, 94115 (Pac Heights) and 94114 (Noe Valley).

Do condos appraise differently? Yes. Specifically, HOA health matters more.

 

Final Thoughts

In summary, location is power. However, you need a guide. Ms. San Francisco Real Estate knows the map. So, contact us today to maximize your investment.


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