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Lowest Mortgage Rate near Me, San Francisco, CA 94112


Safety and Crime Rates for ZIP Code 94112

Overview of ZIP Code 94112

The ZIP Code 94112 is located in San Francisco, California. This area encompasses neighborhoods like Ingleside, Oceanview, and parts of Excelsior. Being part of a major metropolitan area, safety and crime rates in ZIP Code 94112 are critical factors for residents and potential movers.

Crime Statistics

The crime rates in ZIP Code 94112 fluctuate based on several factors, including the type of crime, the demographic distribution, and socio-economic conditions. According to recent data from the San Francisco Police Department:

  • Violent Crimes: Violent crimes, including assault, robbery, and homicide, tend to be lower in comparison to other areas of San Francisco but still warrant attention.
  • Property Crimes: Property crimes such as burglary, larceny-theft, and motor vehicle theft are more prevalent. These crimes often affect residential areas.
  • Drug-Related Crimes: Drug activity has been noted in some parts of the ZIP Code, although community efforts and law enforcement are actively working to mitigate this.

Law Enforcement and Community Safety

The San Francisco Police Department’s Ingleside Station serves ZIP Code 94112, providing critical law enforcement services. Residents often participate in neighborhood watch programs and community meetings to discuss safety measures. Key initiatives include:

  • Increased Patrols: Regular police patrols in high-crime areas.
  • Community Outreach: Programs aimed at building relationships between police officers and community members.
  • Safety Campaigns: Public awareness campaigns focused on preventing crime, especially during the holiday season when property crimes tend to spike.

Annual Crime Trends

Crime rates in ZIP Code 94112 have shown a trend of gradual decline over the past five years, attributing to effective law enforcement and active community participation. The key trends include:

  1. Decrease in Violent Crime: Violent crime has seen a noticeable decrease, with incidents of aggravated assault and robbery seeing the most significant reductions.
  2. Fluctuations in Property Crime: While property crime rates have been inconsistent, certain initiatives have helped stabilize these rates.
  3. Emergence of Technology: The use of security cameras and neighborhood apps has facilitated better reporting and quicker response times.

Personal Safety Tips

For residents and visitors in ZIP Code 94112, here are some practical safety tips to consider:

  • Invest in home security systems to deter burglaries.
  • Avoid poorly lit areas at night and always be aware of your surroundings.
  • Engage in community watch programs to stay informed about local incidents.
  • Keep valuable items out of sight in vehicles to prevent theft.


While ZIP Code 94112 in San Francisco presents some challenges in terms of crime rates, both residents and law enforcement are committed to enhancing community safety. Through community engagement, effective policing, and technological investments, efforts to reduce crime and improve public safety continue to make a positive impact.

Proximity to Essential Services in ZIP Code 94112

Healthcare Facilities

The 94112 ZIP code, encompassing areas within San Francisco, CA, offers robust access to healthcare facilities. Residents are within short distances to several notable hospitals and clinics, ensuring quick and efficient medical care.

  • Zuckerberg San Francisco General Hospital: Located a few miles north, this hospital provides a comprehensive range of services including emergency care.
  • Kaiser Permanente San Francisco: Situated to the west, offering members a wide variety of specialized healthcare services.
  • Neighborhood Clinics: A plethora of smaller clinics and urgent care centers are scattered throughout the ZIP code, ensuring immediate attention for non-critical health issues.

Educational Institutions

ZIP Code 94112 is well-served by several educational institutions ranging from elementary schools to higher education centers. This ensures quality educational services for all age groups.

  • City College of San Francisco (CCSF): Located centrally within the ZIP code, CCSF offers a plethora of courses and programs for continuing education.
  • James Denman Middle School: An important feeder school offering quality education for grades 6-8.
  • Balboa High School: A high school with numerous advanced placement courses and extracurricular activities.

Grocery Stores and Supermarkets

Shopping for daily essentials is convenient in 94112, with numerous grocery stores and supermarkets located within short distances.

  • Safeway: A well-known chain with several locations throughout the ZIP code, offering a wide range of products.
  • Whole Foods Market: Located to the north, perfect for those looking for organic and specialty items.
  • Local Markets: Numerous smaller, community-focused markets providing fresh produce and goods, catering to various cultural preferences.

Parks and Recreational Areas

Residents of 94112 have access to multiple parks and recreational facilities, contributing to a balanced and healthy lifestyle.

  • Balboa Park: Centrally located, it offers sports fields, playgrounds, and open spaces for community events and gatherings.
  • John McLaren Park: A larger park area to the southeast, providing various recreational activities including hiking trails, a golf course, and amphitheater.
  • Local Playgrounds: Scattered throughout residential neighborhoods, ensuring that children have safe and accessible places to play.

Public Transportation

Public transportation is highly accessible in the 94112 area, ensuring residents can navigate the city with ease.

  • Muni Metro: Lines J, K, and M serve the area, providing direct routes to downtown and other neighborhoods.
  • Bus Services: Multiple bus routes crisscross the ZIP code, ensuring comprehensive coverage and short wait times.
  • BART (Bay Area Rapid Transit): The nearby Balboa Park Station connects residents to the greater Bay Area efficiently.

Quality of Local Schools in ZIP Code 94112

Overview of ZIP Code 94112

ZIP Code 94112 encompasses various neighborhoods in the southwestern area of San Francisco, California. This locality is known for its diverse community and vibrant culture, attracting numerous families seeking quality education for their children.

Elementary Schools in 94112

Monroe Elementary School

Address: 260 Madrid St, San Francisco, CA 94112

Ratings: Monroe Elementary School is rated above average in quality compared to other schools in the state. It has a nurturing environment focusing on the development of young learners.

Academic Programs: The school offers an array of programs including arts, physical education, and special education services. Their bilingual education program is particularly noteworthy.

Aptos Elementary School

Address: 105 Aptos Ave, San Francisco, CA 94112

Ratings: Aptos Elementary is consistently rated above average, with commendable teacher-student engagement.

Academic Programs: The school is renowned for its strong emphasis on STEM (Science, Technology, Engineering, and Math) education, alongside a balanced arts curriculum.

Middle Schools in 94112

Aptos Middle School

Address: 105 Aptos Ave, San Francisco, CA 94112

Ratings: Aptos Middle School ranks highly for academic performance and has a supportive learning environment.

Academic Programs: The school offers advanced placement classes and a wide variety of extracurricular activities including athletics, music, and drama.

James Denman Middle School

Address: 241 Oneida Ave, San Francisco, CA 94112

Ratings: James Denman Middle School has received positive ratings for its inclusive culture and strong teaching staff.

Academic Programs: The school provides enriched learning opportunities in humanities, sciences, and performing arts. There are also numerous clubs and sports teams available for student participation.

High Schools in 94112

Balboa High School

Address: 1000 Cayuga Ave, San Francisco, CA 94112

Ratings: Balboa High School is known for its diverse student body and comprehensive academic offerings, receiving good ratings in comparison to other schools in the district.

Academic Programs: The school offers International Baccalaureate (IB) programs, advanced placement courses, and a variety of vocational training opportunities. Extracurricular activities such as speech and debate, athletics, and visual arts are also prominent.

Leadership High School

Address: 350 Seneca Ave, San Francisco, CA 94112

Ratings: Leadership High School is praised for its small class sizes and personalized learning experiences.

Academic Programs: The curriculum features leadership training, college preparatory courses, and experiential learning opportunities. Additionally, the school focuses on community service and social justice initiatives.

Special Education Services

Within ZIP Code 94112, several schools offer specialized programs to assist students with diverse learning needs. These services include:

  • Individualized Education Programs (IEPs)
  • Dedicated special education teachers
  • Accessibility resources and adaptive technologies

Parental and Community Involvement

Schools in 94112 encourage active participation from parents and community members. Regular events such as PTA meetings, school fairs, and volunteer opportunities foster a collaborative environment that supports student success.

School Safety

Ensuring a safe learning environment is a top priority for schools in 94112. Comprehensive safety measures are in place, including:

  • Regular safety drills
  • Well-defined visitor policies
  • Collaboration with local law enforcement

Additionally, many schools implement anti-bullying programs and counseling services to create a supportive atmosphere for all students.

Public Transportation Access for ZIP Code 94112

Overview of Public Transportation in ZIP Code 94112

The ZIP Code 94112 encompasses areas within San Francisco, California, including neighborhoods such as Ingleside, Oceanview, and Excelsior. Public transportation in this region is robust, thanks to a well-integrated system of buses, light rail, and metro services provided primarily by the San Francisco Municipal Transportation Agency (SFMTA) and the Bay Area Rapid Transit (BART).


Bus service is a critical component of public transportation in 94112. The San Francisco Muni (MUNI) operates numerous bus routes that serve this ZIP code, providing residents with comprehensive coverage.

  • Route 14 Mission: One of the primary north-south routes, it connects the Mission District with Daly City.
  • Route 29 Sunset: This route runs from the southeast to the northwest, covering key landmarks and allowing transfers to other transportation modes.
  • Route 43 Masonic: An east-west route that serves important intersections and facilities.
  • Route 8 Bayshore: Provides a direct path from Visitacion Valley through Chinatown and to North Beach.

Light Rail

Light rail services in ZIP Code 94112 are facilitated by the MUNI Metro system, particularly the K Ingleside Line, which is instrumental in connecting residents to downtown San Francisco and other major areas.

K Ingleside Line: This line is pivotal, starting at Balboa Park Station, passing through West Portal, and heading towards Embarcadero. It offers a direct, efficient route to major destinations, making it a vital line for daily commuters.

Bart Services

The Bay Area Rapid Transit (BART) system is another major transit service available to residents in 94112. The primary station serving this area is:

Balboa Park BART Station: This station is located at the southern boundary of 94112. It serves as a significant transit hub, providing connectivity to various BART lines, including the Daly City, Richmond, Fremont, and San Francisco International Airport (SFO) lines.

  • Richmond Line (Red): Connects to Richmond in the northern East Bay.
  • Pittsburg/Bay Point Line (Yellow): Extends to Bay Point and serves important job centers along the way.
  • Millbrae/SFO Line (Green): Provides access to the airport and the southern end of the Peninsula.


Public transportation in ZIP Code 94112 prioritizes accessibility for all residents. Most buses and light rail vehicles are equipped with low floors, ramps, or lifts to support passengers with mobility challenges. Moreover, special paratransit services are available for those who need personalized assistance.

Service Reliability and Frequency

One of the key strengths of public transportation in 94112 is the frequency and reliability of services. Buses on major routes typically run every 10-15 minutes during peak hours. The MUNI Metro Light Rail also maintains a high frequency, particularly during commute times. BART services operate with frequent intervals, especially at major hubs like the Balboa Park Station.

Integration and Connectivity

The integration between different modes of transportation is seamless in ZIP Code 94112. Key stations and stops are strategically placed to allow easy transfers between MUNI buses, light rail lines, and BART services. This interconnected system ensures that residents can travel efficiently across the city and to neighboring regions.


Overall, public transportation access for the ZIP Code 94112 is well-developed, with multiple bus routes, a vital light rail line, and a major BART station. This ensures residents have a variety of options for reliable, convenient, and connected travel throughout San Francisco and beyond.

Neighborhood Atmosphere Report for ZIP Code 94112

Overview of ZIP Code 94112

Located in the southwestern part of San Francisco, the ZIP Code 94112 encompasses neighborhoods such as Excelsior, Mission Terrace, Outer Mission, and part of Crocker-Amazon. This area combines a rich history, diverse population, and a unique blend of residential and commercial properties.

Community and Demographics

The 94112 area is known for its diverse community. It is a melting pot of cultures, with significant Hispanic, Asian, and African American populations reflecting in the local customs, cuisines, and community events. This diversity fosters a welcoming and vibrant neighborhood atmosphere.

  • Population: Approximately 80,000 residents.
  • Median Age: Around 37 years.
  • Languages Spoken: English, Spanish, Chinese (Cantonese and Mandarin), and Tagalog, among others.

Real Estate and Housing

The housing market in ZIP Code 94112 is varied, featuring single-family homes, multi-family units, and apartment complexes. The architectural styles range from classic Victorian houses to modern condos.

  • Median Home Price: $1.2 million.
  • Rent Range: $2,500 – $4,000 per month.

The area is known for its tight-knit residential communities, which often engage in local activities and neighborhood associations.

Education and Schools

Education is a priority in 94112, with numerous public and private schools providing quality education. The San Francisco Unified School District serves this area, with notable schools including:

  • Elementary Schools: Monroe Elementary, Glen Park Elementary.
  • Middle Schools: Denman Middle School, Aptos Middle School.
  • High Schools: Balboa High School, Lincoln High School.

Additionally, the area is close to City College of San Francisco, which offers higher education opportunities and vocational training.

Public Transportation and Accessibility

Public transportation in ZIP Code 94112 is highly accessible, with several Muni bus lines serving the area, alongside BART stations at Balboa Park and Glen Park. This makes commuting to other parts of San Francisco convenient and efficient.

  • Muni Bus Lines: 14 Mission, 29 Sunset, 49 Van Ness-Mission.
  • BART Stations: Balboa Park, Glen Park.

The neighborhood’s proximity to Interstate 280 also facilitates easy access for drivers, making it a well-connected locale.

Parks and Recreation

Residents of 94112 benefit from numerous parks and recreational facilities. These green spaces provide areas for relaxation, sports, and community gatherings.

  • John McLaren Park: The second-largest park in San Francisco, offering hiking trails, playgrounds, and picnic areas.
  • Crocker Amazon Playground: Features sports fields, a skate park, and a community center.
  • Balboa Park: Known for its swimming pool, soccer fields, and the Balboa Park BART station.

Local Dining and Shopping

The culinary scene in 94112 reflects its diverse cultural makeup. From local cafes to ethnic restaurants, the neighborhood offers a variety of dining options.

  • Popular Eateries: Pampanguena Cuisine, Mama Arthur’s Cafe, Club Waziema.
  • Shopping Centers: Mission Street hosts a variety of shops, grocery stores, and specialty markets, catering to everyday needs.

Safety and Community Services

Safety is an important aspect of neighborhood life in 94112. The area is served by the San Francisco Police Department’s Ingleside Station, ensuring a strong presence and quick response to community needs.

  • Emergency Services: Accessible and efficient local fire and ambulance services.
  • Community Programs: Various programs targeting youth engagement, neighborhood watch, and public safety initiatives.

Real Estate Market Trends for ZIP Code 94112


The real estate market in ZIP Code 94112, San Francisco, has shown a dynamic trend influenced by various factors, including economic shifts, interest rates, and local developments. This comprehensive report provides insights into the current market conditions, pricing trends, inventory status, and future forecasts.

Current Market Conditions

As of the latest data, the real estate market in the 94112 area is demonstrating a balanced state. This balance indicates a healthy interaction between buyers and sellers. Key factors contributing to current conditions include:

  • Interest Rates: The recent changes in interest rates have impacted buyer affordability and loan availability.
  • Local Economy: Job growth and economic stability in San Francisco contribute to the demand for housing.
  • Urban Development: Ongoing urban renewal projects and infrastructure improvements enhance the area’s attractiveness.

Pricing Trends

Understanding the pricing trends in 94112 is crucial for potential buyers and sellers. Key highlights include:

  • Median Home Prices: The median home price in 94112 currently stands at approximately $1.2 million, showing a year-over-year increase of 7%.
  • Price per Square Foot: The average price per square foot is around $850, reflecting a steady rise in property values.
  • Comparative Analysis: Compared to neighboring ZIP codes, 94112 maintains competitive pricing with growth potential.

Inventory Status

The inventory of homes in ZIP Code 94112 has seen fluctuations based on seasonal trends and market conditions. Current inventory insights include:

  • Total Listings: There are approximately 120 active listings, indicating a moderate level of market activity.
  • Newly Listed Homes: A surge in newly listed properties has been observed, providing more options for buyers.
  • Days on Market: Homes in 94112 typically spend an average of 35 days on the market before being sold.

Future Forecasts

Predicting future trends in the 94112 real estate market involves analyzing various indicators. Expectations for the coming months include:

  • Economic Conditions: Continued economic recovery and job market strength are likely to sustain housing demand.
  • Market Stabilization: As the market stabilizes post-pandemic, a gradual increase in home prices is expected.
  • Interest Rate Trends: Future interest rate adjustments will play a significant role in market dynamics.

Neighborhood Insights

ZIP Code 94112 encompasses diverse neighborhoods such as Ingleside, Oceanview, and Excelsior. Each of these neighborhoods offers unique characteristics:

  • Ingleside: Known for its family-friendly environment and proximity to educational institutions.
  • Oceanview: Offers larger home lots and a suburban feel while being close to urban amenities.
  • Excelsior: A vibrant community with a blend of cultural influences and accessible public transportation.

Investment Opportunities

Investors looking for opportunities in ZIP Code 94112 should consider:

  • Rental Demand: High rental demand driven by the area’s population diversity and proximity to business hubs.
  • Property Appreciation: Historical data shows steady appreciation, making long-term investments lucrative.
  • Development Potential: Emerging urban development projects are likely to enhance property values.


Overall, the real estate market in ZIP Code 94112 presents a blend of stability and growth potential. Buyers, sellers, and investors should stay informed about the latest trends and leverage the opportunities available in this dynamic market.

Property Taxes in ZIP Code 94112

Overview of Property Taxes

Property taxes in ZIP Code 94112, which encompasses parts of San Francisco, California, are a significant consideration for homeowners and prospective buyers. These taxes contribute to local services, including public education, infrastructure, and other community needs. The property tax rate combines county, city, and other local rates, reflecting an area’s economic health and public service requirements.

Calculation of Property Taxes

Property taxes in 94112 are calculated based on assessed property values and applicable tax rates. The primary components influencing these calculations include:

  • Assessed Value: Typically, properties in ZIP Code 94112 are assessed at their purchase price, with increases limited to a maximum of 2% annually due to California’s Proposition 13.
  • Tax Rate: San Francisco County has a base property tax rate of approximately 1%, with additional voter-approved measures potentially increasing the overall rate.

Recent Trends in Property Tax Rates

Recent trends indicate a relatively stable tax rate for properties within ZIP Code 94112. However, new bonds and local measures can influence fluctuations, resulting in minor annual adjustments. Property owners should stay informed of local ballot initiatives, as these may introduce new taxes or adjust existing ones.

Property Tax Payments

Property tax payments in the 94112 area are typically split into two installments:

  • First Installment: Due on November 1st and considered delinquent if not paid by December 10th.
  • Second Installment: Due on February 1st and delinquent after April 10th.

Failure to pay property taxes on time can result in penalties, including fines and potential liens placed on the property.

Tax Exemptions and Relief Programs

Various exemptions and relief programs are available to reduce property tax burdens in ZIP Code 94112. These include:

  • Homeowners’ Exemption: Reduces the assessed value of a primary residence by $7,000.
  • Senior Exemption: Programs for seniors 65 and older may provide additional tax relief, subject to eligibility requirements.
  • Veterans’ Exemption: Eligible veterans may receive a reduction in assessed value.

Homeowners should consult the San Francisco Office of the Assessor-Recorder for comprehensive details on available exemptions and programs.

Effective Property Tax Rate

Zillow and other real estate service platforms estimate the average effective property tax rate in ZIP Code 94112 to be around 1.12%, factoring in local bond measures and special assessments. Nevertheless, individual property tax obligations can vary based on specific property characteristics and prevailing local measures.

Impact of Property Taxes on Real Estate Market

Property taxes play a pivotal role in the real estate market within ZIP Code 94112. Higher tax rates may influence buyer decisions and subsequently affect property values. Conversely, efficient utilization of tax revenues can enhance local amenities, making the area more attractive to potential buyers and investors.

Understanding Your Property Tax Bill

Each property owner within ZIP Code 94112 receives an annual property tax bill detailing the assessed value, applicable tax rates, special assessments, and total amount due. Key components of a typical property tax bill in this area include:

  • Assessed Value: Value set by the county assessor based on purchase price and annual adjustments.
  • Base Tax Rate: Approx. 1% of the assessed value.
  • Special Assessments: Additional charges reflecting voter-approved bonds or local measures.


Property taxes in ZIP Code 94112 are an integral part of homeownership, significantly impacting financial planning and real estate market dynamics. Staying informed about tax rates, payment schedules, and available exemptions can help homeowners manage their obligations effectively.

Community Amenities in ZIP Code 94112

Parks and Recreation

Residents of ZIP Code 94112 enjoy access to a variety of parks and recreational facilities, making it ideal for families and outdoor enthusiasts. Some notable parks include:

  • Balboa Park: Offers baseball fields, tennis courts, a swimming pool, and playgrounds. Ideal for family outings and sports activities.
  • Crocker-Amazon Playground: Features soccer fields, tennis courts, and a skate park, catering to a wide range of age groups and interests.
  • John McLaren Park: Spanning over 300 acres, this park provides hiking trails, a golf course, and a variety of native plant species.

Educational Institutions

The ZIP Code 94112 is home to several highly-rated educational institutions that serve the community’s diverse population. These include:

  • Denman Middle School: Known for its strong academic programs and extracurricular activities.
  • City College of San Francisco – Ocean Campus: Provides comprehensive higher education programs, including associate degrees and certificate courses.
  • J. Serra Elementary School: Features various academic and enrichment programs designed to foster student development.

Public Transportation

The area is well-served by public transportation options, ensuring convenient commuting for residents. Key transportation services include:

  • BART (Bay Area Rapid Transit): The Balboa Park Station offers swift connections to downtown San Francisco and other Bay Area destinations.
  • Muni Metro: Lines such as J Church and K Ingleside run through the area, providing reliable and frequent service.
  • SFMTA Bus Services: Multiple bus routes traverse the ZIP Code 94112, enhancing intra-city accessibility.

Shopping and Dining

Residents of ZIP Code 94112 have access to a variety of shopping and dining options that cater to diverse tastes and preferences:

  • Ocean Avenue: This bustling street is lined with various retail stores, cafes, and restaurants.
  • Mission Street: Known for its eclectic mix of dining options ranging from local eateries to international cuisine.
  • Stonestown Galleria: A short drive away, this shopping center features major retail chains, a supermarket, and a food court.

Healthcare Facilities

Residents in ZIP Code 94112 have access to several healthcare facilities providing comprehensive medical services:

  • Kaiser Permanente Medical Center: Offers a wide range of services including emergency care, outpatient services, and specialized treatments.
  • Excelsior Health Services: A community-focused clinic providing primary care and other essential health services.
  • Seton Medical Center: Located nearby, this hospital offers extensive inpatient and outpatient services.

Community Centers

The ZIP Code 94112 boasts numerous community centers that offer various programs and activities for residents of all ages:

  • Geneva Community Center: Provides after-school programs, fitness classes, and meeting spaces.
  • Excelsior Community Center: Offers programs for youth, adults, and seniors, including recreational activities and educational workshops.
  • YMCA at Stonestown: A short distance away, this facility offers fitness programs, swimming classes, and family activities.

The ZIP Code 94112 in San Francisco is thriving with amenities that enhance the quality of life for its residents. From parks and schools to shopping and healthcare, the community is well-equipped to meet the diverse needs of its populace.

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