Mission / Bernal Heights, San Francisco, CA—94110
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Mission / Bernal Heights, San Francisco, CA
As of Oct '25, the median home price in Mission / Bernal Heights, San Francisco, CA is $1,240,000, with a year-over-year change of -0.1%. This indicates that home prices in Mission / Bernal Heights, San Francisco, CA are flat. According to Zillow, the 1-year price projection is -0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,240,000 | -0.1% |
| Single Family | $1,386,000 | 0.9% |
| Condos | $1,021,000 | 0.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $779,000 | 1.3% |
2 Bed | $1,106,000 | 0.8% |
3 Bed | $1,494,000 | 1.5% |
4 Bed | $1,869,000 | 2.4% |
| 5 Bed | $2,063,000 | 2.6% |
% of Housing Stock
Rental Trends — Mission / Bernal Heights, San Francisco, CA
As of July '25, Rentcast reports the average rent in Mission / Bernal Heights, San Francisco, CA is $4,140, with a year-over-year rent change of 5.9%. Per bedroom, the median rent as of July '25 in Mission / Bernal Heights, San Francisco, CA is studios: $2,470, 1-bedrooms: $3,220, 2-bedrooms: $4,520, 3-bedrooms: $5,620, 4-bedrooms: $6,420. The most common rental property sizes in Mission / Bernal Heights, San Francisco, CA are 1-bedroom and 2-bedroom, accounting for 32.9% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,700 | $4,140 |
| Studio Rent | $2,500 | $2,470 |
| 1 Bed Rent | $3,300 | $3,220 |
| 2 Bed Rent | $4,200 | $4,520 |
| 3 Bed Rent | $5,500 | $5,620 |
| 4 Bed Rent | $5,700 | $6,420 |
% of Rental Stock
Property Listings — Mission / Bernal Heights, San Francisco, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Mission / Bernal Heights, San Francisco, CA is 58. This is a increase of 83.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 11.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,080,000 | -12.0% |
Listing Count | 106 | -11.0% |
| Listings as % of Homes | 0.2% | -11.0% |
Days on Market | 58 | 83.0% |
Demographics — Mission / Bernal Heights, San Francisco, CA
As of the latest ACS Survey released in 2023, Mission / Bernal Heights, San Francisco, CA has a population of 66,700, which has decreased by -10.1% over the past 5 years. Mission / Bernal Heights, San Francisco, CA is a less popular place for families, as children make up 14.8% of the population. The area has a highly educated workforce, with 61.0% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 28.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 66,700 | -10.1% |
% Under 18 | 14.8% | 1.4% |
% Seniors | 13.5% | 32.4% |
% WFH | 28.1% | 295.8% |
% w/ College Degree | 61.0% | 6.6% |
As of the latest ACS Survey released in 2023, Mission / Bernal Heights, San Francisco, CA is a predominantly white area, with 41.2% of the population identifying as white. The white population has shrunk by 5.7% in the last 5 years. The second most common race or ethnicity in Mission / Bernal Heights, San Francisco, CA is hispanic, making up 32.1% of the population. Foreign-born residents account for 27.8% of the population in Mission / Bernal Heights, San Francisco, CA, and this percentage has decreased by 7.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 41.2% | -5.7% |
% Black | 3.9% | 11.4% |
% Hispanic | 32.1% | -5.0% |
% Asian | 16.0% | 9.6% |
% Foreign Born | 27.8% | -7.6% |
Mortgage and Risk — Mission / Bernal Heights, San Francisco, CA
According to HUD data as of 2023, there were 429 mortgage originations in Mission / Bernal Heights, San Francisco, CA, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 3.0% above 90% LTV (normal). This implies small mortgage risk in Mission / Bernal Heights, San Francisco, CA. Investor activity is low, as 3.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 429 |
% Conventional Loans | 98.0% |
% Government Loans | 2.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Mission / Bernal Heights, San Francisco, CA
As of 2024, the percent of homes in Mission / Bernal Heights, San Francisco, CA under the Section 8 program is 8.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Mission / Bernal Heights, San Francisco, CA, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 1,473 |
Total Units Section 8 | 1,359 |
% Rentals under Section 8 | 8.2% |
% Occupied Section 8 | 92.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$760 | $3,300 | $2,540 |
| 2 Bedroom | -$1,170 | $4,200 | $3,030 |
| 3 Bedroom | -$1,790 | $5,500 | $3,710 |
| 4 Bedroom | -$1,670 | $5,700 | $4,030 |
Affordability — Mission / Bernal Heights, San Francisco, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.5 |
| Median Home Price | $1,240,000 |
| Median Household Income | $152,000 |