HomeCaliforniaSan Francisco County
San Francisco County, California: commercial real estate data.
San Francisco County, California has a population of 830,235 across 47 square miles, down 5.8 percent since the 2020 census base. County output reached $268.32 bn in 2024, 33,378 establishments operate here, and the SBA record carries 873 7(a) approvals worth $554.2 m.
128 sourced county values · tier FULL · 12 sections
San Francisco County
How many people live in San Francisco County
- Population830,235
- Households363,970
- Average household size2.28
- Median household income$140,970
- Median age40.0
- Median gross rent$2,476 per month
- Median owner-occupied home value$1,394,500
- Home value to household income9.9 times
- Annual rent as a share of median income21.1 percent
- Adults 25 and over with a bachelor degree or higher60.3 percent
- Adults 25 and over with a graduate degree25.4 percent
- Adults 25 and over661,758
- Population under 18113,508
- Share under 1813.7 percent
- Population 65 and over146,510
- Share 65 and over17.6 percent
- Working age population, 18 to 64570,217
- Civilian labor force507,262
- Unemployment rate6.1 percent
- Labor force participation, adults 18 and over70.8 percent
- Rank by population among California counties13th of 58
- Rank by population among US county-equivalents76th
San Francisco County is the 13th largest of 58 California counties by population. A median home costs 9.9 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 17.6 percent against 13.7 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
San Francisco County
Is San Francisco County growing
- Population change since the 2020 census base-5.79 percent
- Census 2020 base population878,392
- Births, 20247,001
- Deaths, 20246,183
- Natural change, 2024818
- Net domestic migration, 2024-5,594
- Net international migration, 202413,146
- Total net migration, 20247,552
- Cumulative net domestic migration, 2021 to 2024-80,568
- Rank by growth among US county-equivalents3034th
The county has lost 5.79 percent of its population since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
San Francisco County
Where people moving to San Francisco County come from
- Tax returns filed by households arriving33,804
- People arriving, from those returns41,379
- Adjusted gross income arriving$6.92 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$204,638
- Largest single originSan Francisco County Non-migrants (353,959 households)
- Largest single destination (353,959 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| San Francisco County Non-migrants | 353,959 | 577,572 | $95.76 bn |
| Alameda County | 3,743 | 4,586 | $627.6 m |
| San Mateo County | 3,666 | 5,148 | $905.9 m |
| Santa Clara County | 3,290 | 3,872 | $1.00 bn |
| Other flows - Different State | 2,597 | 3,074 | $488.2 m |
| Los Angeles County | 1,906 | 2,200 | $288.9 m |
| Contra Costa County | 1,580 | 2,216 | $195.0 m |
| Other flows - South | 1,020 | 1,221 | $244.0 m |
The largest single source of arrivals is San Francisco County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
San Francisco County
What the San Francisco County economy runs on
- County GDP, 2024$268.32 bn
- County GDP, 2023$258.80 bn
- GDP change, 2023 to 20243.7 percent
- GDP change over five years24.8 percent
- Rank by GDP among California counties5th
- Rank by GDP among US county-equivalents11th
- GDP per resident$323,188
Output grew 3.7 percent in the latest year and 24.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
San Francisco County
Who employs people in San Francisco County
- Covered employment, annual average707,646
- Establishments reporting66,657
- Average annual pay$174,103
- Average weekly wage$3,348
- Sector 54, employment134,774
- Sector 54, average annual pay$254,829
- Sector 62, employment83,484
- Sector 62, average annual pay$70,702
- Sector 72, employment66,739
- Sector 72, average annual pay$46,826
- Sector 51, employment59,506
- Sector 51, average annual pay$342,803
- Sector 52, employment38,782
- Sector 56, employment35,653
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 54 | 134,774 | 8,888 | $254,829 |
| Sector 62 | 83,484 | 30,892 | $70,702 |
| Sector 72 | 66,739 | 4,055 | $46,826 |
| Sector 51 | 59,506 | 1,977 | $342,803 |
| Sector 52 | 38,782 | 2,224 | $380,637 |
| Sector 56 | 35,653 | 1,509 | $128,414 |
| Sector 44-45 | 32,647 | 2,736 | $78,708 |
| Sector 81 | 27,533 | 5,159 | $77,241 |
The largest sector is the biggest private employer group at 134,774 jobs, 19.0 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
San Francisco County
What businesses operate in San Francisco County
- Establishments, all industries33,378
- Employment at those establishments740,362
- Annual payroll$113.09 bn
- Establishments per 1,000 residents40.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
San Francisco County
What is being built in San Francisco County
- Housing units authorised by permit, 2024770
- Declared construction value permitted$433.8 m
- Single family units authorised27
- Multifamily units authorised743
- Multifamily share of units96.5 percent
- Average declared value per unit$563,439
- Units authorised per 1,000 households2.1
Multifamily is 96.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
San Francisco County
How much SBA lending happens in San Francisco County
- 7(a) approvals recorded873
- 7(a) gross approval dollars$554.2 m
- Average 7(a) approval$634,837
- Median 7(a) approval$250,000
- 10th percentile approval$48,200
- 90th percentile approval$1,785,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)9,987
- Jobs per approval11.4
- Distinct 7(a) lenders active104
- Distinct industries receiving approvals228
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.4 percent
- Loans on real estate terms152
- Loans on working capital terms, 120 months or shorter686
- Franchise loans44
- Franchise share of approvals5.0 percent
- Leading industry by approval countFull-Service Restaurants (81)
- Most active lenderU.S. Bank, National Association (90)
- 504 approvals recorded486
- 504 gross approval dollars$488.1 m
- Average 504 approval$1,004,280
- Median 504 approval$778,000
- Distinct CDCs active14
- 504 jobs per approval8.8
- 504 jobs per million dollars approved8.8
- Most active CDCMortgage Capital Development Corporation (243)
- 7(a) share of SBA approvals64.2 percent
- Combined SBA approval dollars$1.04 bn
The average approval of $634,837 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 17.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Francisco County
Do SBA loans in San Francisco County get paid back
- Loans with a final outcome recorded146
- Paid in full125
- Charged off21
- Charge off rate on resolved loans14.4 percent
- Status: Exempt from disclosure549
- Status: Paid in full125
- Status: Charged off21
- Status: Cancelled136
- Status: Committed, not yet disbursed42
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 12 | 4 | 33.3% |
Of the 146 loans that have reached a final outcome, 14.4 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong. Among industries with at least ten resolved loans, Full-Service Restaurants carries the highest charge off rate at 33.3 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Francisco County
Which parts of San Francisco County get the lending
- Places in the county with recorded lending11
- SAN FRANCISCO, approvals860
- SF, approvals4
- PLEASANTON, approvals1
- SANTA ROSA, approvals1
- Daly City, approvals1
- MILLBRAE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SAN FRANCISCO | 860 | $552,111,900 |
| SF | 4 | $476,000 |
| PLEASANTON | 1 | $750,000 |
| SANTA ROSA | 1 | $100,000 |
| Daly City | 1 | $150,000 |
| MILLBRAE | 1 | $80,000 |
| San Fransisco, | 1 | $25,000 |
| San Fransisco | 1 | $170,000 |
SAN FRANCISCO accounts for 860 approvals against 4 in SF. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Francisco County
How big is San Francisco County
- Land area47 sq mi
- Rank by land area among California counties58th of 58
- Width, east to west36 mi
- Height, north to south12.6 mi
- Geographies sharing a boundary1
- Residents per square mile of land17,665
- Establishments per square mile710.17
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
San Francisco County
What hazards affect San Francisco County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a San Francisco County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a San Francisco County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population830,235
- Households363,970
- Average household size2.28
- Median household income$140,970
- Median age40.0
Common questions
San Francisco County questions, answered from the record.
How many people live in San Francisco County, California?
830,235, in 363,970 households, ranking 13th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is San Francisco County growing?
The population has fallen 5.79 percent since the 2020 census base. In 2024 there were 7,001 births against 6,183 deaths, with net migration of 7,552. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in San Francisco County?
$140,970. The median owner-occupied home is valued at $1,394,500, which is 9.9 times income, and median gross rent is $2,476 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in San Francisco County?
33,378 establishments, employing 740,362 people with an annual payroll of $113.09 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in San Francisco County?
Average annual pay is $174,103, or $3,348 a week, across 707,646 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in San Francisco County?
873 7(a) approvals totalling $554.2 m since FY2020, across 104 lenders, with a median approval of $250,000, plus 486 504 approvals worth $488.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in San Francisco County get paid back?
Of the 146 loans that have reached a final outcome, 125 were paid in full and 21 charged off, a charge off rate of 14.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in San Francisco County?
770 housing units were authorised by permit in 2024, with a declared construction value of $433.8 m. Multifamily was 96.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for San Francisco County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to San Francisco County come from?
The largest single origin is San Francisco County Non-migrants, with 353,959 households. Arriving households report an average income of $204,638 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for San Francisco County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for San Francisco County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.