San Francisco, CA: 2-bedroom payment standards across 107 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for San Francisco, CA HUD Metro FMR Area range from $2,990 to $5,010 for a 2-bedroom. The 90th-percentile ZIP code runs 1.43× the 10th — a gap of $1,284 a month — which ranks 86th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 107 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $3,828 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($2,990 to $4,274).
of the area's ZIP codes (37 of 107) sit above $3,828 — 110% of the area median.
Highest-rent ZIP codes in San Francisco, CA
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 94404 | $5,010 | $4,509–$5,511 | above 110% |
| 2 | 94105 | $4,730 | $4,257–$5,203 | above 110% |
| 3 | 94107 | $4,700 | $4,230–$5,170 | above 110% |
| 4 | 94123 | $4,580 | $4,122–$5,038 | above 110% |
| 5 | 94402 | $4,520 | $4,068–$4,972 | above 110% |
| 6 | 94957 | $4,510 | $4,059–$4,961 | above 110% |
| 7 | 94403 | $4,440 | $3,996–$4,884 | above 110% |
| 8 | 94925 | $4,440 | $3,996–$4,884 | above 110% |
| 9 | 94030 | $4,380 | $3,942–$4,818 | above 110% |
| 10 | 94065 | $4,380 | $3,942–$4,818 | above 110% |
| 11 | 94158 | $4,370 | $3,933–$4,807 | above 110% |
| 12 | 94025 | $4,210 | $3,789–$4,631 | above 110% |
| 13 | 94903 | $4,180 | $3,762–$4,598 | above 110% |
| 14 | 94933 | $4,160 | $3,744–$4,576 | above 110% |
| 15 | 94115 | $4,120 | $3,708–$4,532 | above 110% |
| 16 | 94920 | $4,100 | $3,690–$4,510 | above 110% |
| 17 | 94037 | $4,090 | $3,681–$4,499 | above 110% |
| 18 | 94044 | $4,090 | $3,681–$4,499 | above 110% |
| 19 | 94939 | $4,090 | $3,681–$4,499 | above 110% |
| 20 | 94027 | $4,080 | $3,672–$4,488 | above 110% |
| 21 | 94116 | $3,960 | $3,564–$4,356 | above 110% |
| 22 | 94941 | $3,960 | $3,564–$4,356 | above 110% |
| 23 | 94002 | $3,950 | $3,555–$4,345 | above 110% |
| 24 | 94070 | $3,950 | $3,555–$4,345 | above 110% |
| 25 | 94131 | $3,950 | $3,555–$4,345 | above 110% |
| 26 | 94965 | $3,950 | $3,555–$4,345 | above 110% |
| 27 | 94111 | $3,890 | $3,501–$4,279 | above 110% |
| 28 | 94127 | $3,880 | $3,492–$4,268 | above 110% |
| 29 | 94011 | $3,870 | $3,483–$4,257 | above 110% |
| 30 | 94017 | $3,870 | $3,483–$4,257 | above 110% |
| 31 | 94021 | $3,870 | $3,483–$4,257 | above 110% |
| 32 | 94026 | $3,870 | $3,483–$4,257 | above 110% |
| 33 | 94064 | $3,870 | $3,483–$4,257 | above 110% |
| 34 | 94083 | $3,870 | $3,483–$4,257 | above 110% |
| 35 | 94125 | $3,870 | $3,483–$4,257 | above 110% |
| 36 | 94128 | $3,870 | $3,483–$4,257 | above 110% |
| 37 | 94114 | $3,860 | $3,474–$4,246 | above 110% |
| 38 | 94117 | $3,820 | $3,438–$4,202 | 110% |
| 39 | 94061 | $3,800 | $3,420–$4,180 | 109% |
| 40 | 94104 | $3,800 | $3,420–$4,180 | 109% |
| 41 | 94062 | $3,770 | $3,393–$4,147 | 108% |
| 42 | 94015 | $3,750 | $3,375–$4,125 | 108% |
| 43 | 94063 | $3,700 | $3,330–$4,070 | 106% |
| 44 | 94964 | $3,680 | $3,312–$4,048 | 106% |
| 45 | 94010 | $3,660 | $3,294–$4,026 | 105% |
| 46 | 94960 | $3,640 | $3,276–$4,004 | 105% |
| 47 | 94963 | $3,630 | $3,267–$3,993 | 104% |
| 48 | 94129 | $3,590 | $3,231–$3,949 | 103% |
| 49 | 94130 | $3,570 | $3,213–$3,927 | 103% |
| 50 | 94080 | $3,530 | $3,177–$3,883 | 101% |
| 51 | 94066 | $3,520 | $3,168–$3,872 | 101% |
| 52 | 94103 | $3,520 | $3,168–$3,872 | 101% |
| 53 | 94074 | $3,480 | $3,132–$3,828 | 100% |
| 54 | 94912 | $3,480 | $3,132–$3,828 | 100% |
| 55 | 94913 | $3,480 | $3,132–$3,828 | 100% |
| 56 | 94914 | $3,480 | $3,132–$3,828 | 100% |
| 57 | 94915 | $3,480 | $3,132–$3,828 | 100% |
| 58 | 94937 | $3,480 | $3,132–$3,828 | 100% |
| 59 | 94942 | $3,480 | $3,132–$3,828 | 100% |
| 60 | 94948 | $3,480 | $3,132–$3,828 | 100% |
| 61 | 94966 | $3,480 | $3,132–$3,828 | 100% |
| 62 | 94971 | $3,480 | $3,132–$3,828 | 100% |
| 63 | 94976 | $3,480 | $3,132–$3,828 | 100% |
| 64 | 94977 | $3,480 | $3,132–$3,828 | 100% |
| 65 | 94978 | $3,480 | $3,132–$3,828 | 100% |
| 66 | 94979 | $3,480 | $3,132–$3,828 | 100% |
| 67 | 94005 | $3,470 | $3,123–$3,817 | 100% |
| 68 | 94119 | $3,450 | $3,105–$3,795 | 99% |
| 69 | 94126 | $3,450 | $3,105–$3,795 | 99% |
| 70 | 94140 | $3,450 | $3,105–$3,795 | 99% |
| 71 | 94141 | $3,450 | $3,105–$3,795 | 99% |
| 72 | 94146 | $3,450 | $3,105–$3,795 | 99% |
| 73 | 94147 | $3,450 | $3,105–$3,795 | 99% |
| 74 | 94159 | $3,450 | $3,105–$3,795 | 99% |
| 75 | 94164 | $3,450 | $3,105–$3,795 | 99% |
| 76 | 94188 | $3,450 | $3,105–$3,795 | 99% |
| 77 | 94949 | $3,430 | $3,087–$3,773 | 99% |
| 78 | 94401 | $3,420 | $3,078–$3,762 | 98% |
| 79 | 94122 | $3,310 | $2,979–$3,641 | 95% |
| 80 | 94118 | $3,300 | $2,970–$3,630 | 95% |
| 81 | 94904 | $3,280 | $2,952–$3,608 | 94% |
| 82 | 94018 | $3,270 | $2,943–$3,597 | 94% |
| 83 | 94947 | $3,260 | $2,934–$3,586 | 94% |
| 84 | 94930 | $3,240 | $2,916–$3,564 | 93% |
| 85 | 94019 | $3,170 | $2,853–$3,487 | 91% |
| 86 | 94038 | $3,170 | $2,853–$3,487 | 91% |
| 87 | 94938 | $3,150 | $2,835–$3,465 | 91% |
| 88 | 94901 | $3,120 | $2,808–$3,432 | 90% |
| 89 | 94109 | $3,090 | $2,781–$3,399 | 89% |
| 90 | 94110 | $3,080 | $2,772–$3,388 | 89% |
| 91 | 94970 | $3,030 | $2,727–$3,333 | 87% |
| 92 | 94973 | $3,020 | $2,718–$3,322 | 87% |
| 93 | 94132 | $3,000 | $2,700–$3,300 | 86% |
| 94 | 94014 | $2,990 | $2,691–$3,289 | 86% |
| 95 | 94102 | $2,990 | $2,691–$3,289 | 86% |
| 96 | 94108 | $2,990 | $2,691–$3,289 | 86% |
| 97 | 94112 | $2,990 | $2,691–$3,289 | 86% |
| 98 | 94121 | $2,990 | $2,691–$3,289 | 86% |
| 99 | 94124 | $2,990 | $2,691–$3,289 | 86% |
| 100 | 94133 | $2,990 | $2,691–$3,289 | 86% |
| 101 | 94134 | $2,990 | $2,691–$3,289 | 86% |
| 102 | 94924 | $2,990 | $2,691–$3,289 | 86% |
| 103 | 94929 | $2,990 | $2,691–$3,289 | 86% |
| 104 | 94940 | $2,990 | $2,691–$3,289 | 86% |
| 105 | 94946 | $2,990 | $2,691–$3,289 | 86% |
| 106 | 94950 | $2,990 | $2,691–$3,289 | 86% |
| 107 | 94956 | $2,990 | $2,691–$3,289 | 86% |
How San Francisco, CA compares
Its internal spread of 1.43× (p90 ÷ p10) ranks 86 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.18×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.