ZIP Code 94104

ZIP code 94104 is one of the smallest ZIP codes in San Francisco and primarily covers a compact portion of the Financial District and Market Street corridor near downtown. The area is generally bordered by Montgomery Street to the west, the Embarcadero area to the east, Market Street to the south, and Chinatown and Union Square to the north. The most common residential property types in 94104 are luxury condominiums, high-rise residences, and select loft-style homes located within mixed-use towers and converted commercial buildings. Buyers are attracted to the area because of its ultra-central location, strong transit connectivity, and immediate proximity to major business and cultural destinations.

Luxury condominiums dominate the residential market in 94104 because many buildings cater to professionals seeking convenience and full-service urban living. Residences often feature modern interiors, floor-to-ceiling windows, secure access, concierge services, fitness centers, business lounges, and panoramic city views. Some loft-style residences are also available in renovated historic buildings that combine industrial character with contemporary finishes and open floor plans. Buyers appreciate the sophisticated atmosphere and walkability that define this downtown San Francisco neighborhood.

One of the greatest benefits of purchasing property in 94104 is the unmatched convenience of the location. Residents enjoy immediate access to BART, Muni Metro, cable cars, and major commuter corridors connecting the city and greater Bay Area. The neighborhood is within walking distance of Union Square shopping, the Ferry Building, world-class restaurants, theaters, museums, and San Francisco’s Financial District offices. Buyers also value the area’s strong long-term demand due to its limited residential inventory and central position within the city’s economic core. Whether purchasing a luxury condo or a stylish loft residence, buyers in 94104 gain access to one of San Francisco’s most connected and prestigious urban environments.