Embarcadero, San Francisco, CA—94111
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Embarcadero, San Francisco, CA
As of Oct '25, the median home price in Embarcadero, San Francisco, CA is $1,022,000, with a year-over-year change of 2.4%. This indicates that home prices in Embarcadero, San Francisco, CA are increasing. According to Zillow, the 1-year price projection is -0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,022,000 | 2.4% |
| Single Family | N/A | N/A |
| Condos | $1,010,000 | 1.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $728,000 | -0.5% |
2 Bed | $1,291,000 | 3.2% |
3 Bed | $1,956,000 | 4.3% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Embarcadero, San Francisco, CA
As of July '25, Rentcast reports the average rent in Embarcadero, San Francisco, CA is $2,390, with a year-over-year rent change of -48.6%. Per bedroom, the median rent as of July '25 in Embarcadero, San Francisco, CA is studios: $1,140, 1-bedrooms: $4,060. The most common rental property sizes in Embarcadero, San Francisco, CA are 1-bedroom and 2-bedroom, accounting for 44.3% and 25.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $999 | $2,390 |
| Studio Rent | $830 | $1,140 |
| 1 Bed Rent | $3,750 | $4,060 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Embarcadero, San Francisco, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Embarcadero, San Francisco, CA is 44. This is a decrease of -15.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $829,000 | -16.0% |
Listing Count | 17 | -2.0% |
| Listings as % of Homes | 0.1% | -2.0% |
Days on Market | 44 | -15.0% |
Demographics — Embarcadero, San Francisco, CA
As of the latest ACS Survey released in 2023, Embarcadero, San Francisco, CA has a population of 4,550, which has increased by 25.8% over the past 5 years. Embarcadero, San Francisco, CA is a less popular place for families, as children make up 12.6% of the population. The area has a highly educated workforce, with 65.3% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 28.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,550 | 25.8% |
% Under 18 | 12.6% | 44.8% |
% Seniors | 25.2% | -9.7% |
% WFH | 28.2% | 182.0% |
% w/ College Degree | 65.3% | -7.4% |
As of the latest ACS Survey released in 2023, Embarcadero, San Francisco, CA is a predominantly asian area, with 55.2% of the population identifying as asian. The asian population has grown by 82.8% in the last 5 years. The second most common race or ethnicity in Embarcadero, San Francisco, CA is white, making up 37.2% of the population. Foreign-born residents account for 55.8% of the population in Embarcadero, San Francisco, CA, and this percentage has increased by 47.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 37.2% | -15.8% |
% Black | 1.7% | -73.4% |
% Hispanic | 2.2% | -75.3% |
% Asian | 55.2% | 82.8% |
% Foreign Born | 55.8% | 47.6% |
Mortgage and Risk — Embarcadero, San Francisco, CA
According to HUD data as of 2023, there were 20 mortgage originations in Embarcadero, San Francisco, CA, of which 100.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 5.0% above 90% LTV (normal). This implies small mortgage risk in Embarcadero, San Francisco, CA. Investor activity is low, as 5.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 20 |
% Conventional Loans | 100.0% |
% Government Loans | 0.0% |
% Investor Loans | 5.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Embarcadero, San Francisco, CA
Embarcadero, San Francisco, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 106 |
Total Units Section 8 | 106 |
% Rentals under Section 8 | 4.6% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$640 | $3,750 | $3,110 |
| 2 Bedroom | N/A | N/A | $3,710 |
| 3 Bedroom | N/A | N/A | $4,630 |
| 4 Bedroom | N/A | N/A | $4,920 |
Affordability — Embarcadero, San Francisco, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.1 |
| Median Home Price | $1,022,000 |
| Median Household Income | $131,000 |