Selling a Condo in 94109: The Complete 2026 Seller's Guide

If you own a condo in San Francisco's 94109, you are sitting in one of the city's most central and liquid markets. The zip is anchored by the summit of Nob Hill and the eastern slope of Russian Hill, but it reaches well beyond them: it climbs from the northern waterfront down the Polk and Van Ness corridors toward the edge of the Tenderloin, taking in the Cathedral Hill stretch of the Western Addition, a real slice of eastern Pacific Heights, and even a piece of the Marina shoreline around Aquatic Park and Fort Mason. That mix means 94109 holds everything from prestige co-ops on the summit to modern condos along Polk Street. In the first half of 2026, condos, co-ops, and TICs in 94109 together sold at a median of about $1.2 million, at essentially 100 percent of their original asking prices, in a median of roughly 19 days. This guide walks a 94109 seller through pricing, timing, preparation, the ownership question, and the sale process, and it links to deeper resources at each step.

Key Findings for 94109 Sellers

• The market is balanced and list-price driven: condos, co-ops, and TICs sold at about 100 percent of original asking in Q1-Q2 2026, neither a frenzy nor a buyer's market.
• Homes sold quickly: a median of about 19 days on market across condos, co-ops, and TICs.
• The zip is diverse: condos traded at a median of about $1,072 per square foot, more accessible than the luxury peaks of Nob Hill and Russian Hill because 94109 also includes Polk Gulch and the Van Ness corridor.
• Co-ops carry a per-foot premium: they sold at a median near $1,200 per square foot, above condos, reflecting the prestige pre-war stock on Nob Hill.
• Pricing right is the whole game: in a market selling at asking, a sharp list price earns clean, on-time offers.

What Is the 94109 Market Doing Right Now?

The most useful way to read a zip code is by what actually closed. Based on San Francisco MLS closed sales in 94109 for Q1-Q2 2026:

Condos ranged from about $320,000 for an entry studio to $7.35 million at the top. (Co-op and TIC figures rest on smaller samples, so treat them as directional.)

"94109 is one of the most balanced markets in the city right now," explains Sean Mamola, Global Luxury Specialist with Compass. "Homes are selling at asking and in about three weeks, which tells a seller that pricing to the market, not above it, is what wins."

How Much Is My 94109 Condo Worth?

Start with the median price per square foot for your building type, then adjust for floor, view, condition, parking, and HOA health. A high-floor Nob Hill condo with a protected view is a very different asset than a lower unit on the same block, even at the same nominal price. Because 94109 mixes luxury and mid-market stock, the right comparison set is your building and its immediate peers, not the zip-wide average.

For a full walk-through of setting your number, see our companion guide, What's My 94109 Condo Worth? A Seller's Pricing Guide, and the citywide primer on how to price a San Francisco luxury condo.

"Price to the specific home, not the zip code," notes Mamola. "The per-foot median is a starting point, and the building and the view move it from there."

Are 94109 Condos Selling Over or Under Asking?

In the first half of 2026, 94109 condos, co-ops, and TICs sold at a median of about 100 percent of original asking, meaning the typical home closed right at its list price. That is a healthy, disciplined market: sellers who priced correctly drew offers at the number, while overpriced listings tended to sit and then reduce. It is not the eight-percent-over-asking heat seen in Pacific Heights, but it is a dependable, seller-friendly market for well-priced homes. For the citywide picture, see our guides on whether SF luxury condos are selling over or under asking and how long it takes to sell.

"In a market that pays you right at asking, the list price is a promise, not a bluff," observes Mamola. "Set it where the comparable sales are and the offers come."

Condo, Co-op, or TIC: Why It Matters When You Sell

94109 is unusual for how much of its prestige stock is held as co-ops rather than condominiums, especially on Nob Hill. The ownership structure changes how your home is financed, marketed, and sold. Co-ops sold at a per-foot premium in early 2026, but they also require board approval and a narrower lender pool, which shapes the buyer you are looking for. TICs, by contrast, traded at a lower per-foot rate and appeal to a value-focused buyer. Knowing which you own, and how it sells, is step one.

Read the primer on condo vs. TIC vs. co-op in San Francisco, and for co-op owners specifically, our guide Selling a Co-op on Nob Hill: What's Different.

How Do I Prepare My Condo for a Premium Sale?

Preparation is where sellers capture the top of their range. In a balanced market, the homes that sold at or above asking were the ones that showed well from day one: decluttered, staged to the light and the view, with deferred maintenance handled and the building's paperwork ready. For a step-by-step approach tailored to hilltop condos, see How to Prepare a Nob Hill or Russian Hill Condo for a Premium Sale, and our companion piece on preparing a condo for a premium sale.

"You control the outcome more than you think," Mamola adds. "Price, presentation, and preparation are what separate a full-price sale from a stale listing."

What Does the Selling Process Look Like?

Once you accept an offer, the transaction moves into escrow and the contract governs the timeline. Understanding the mechanics keeps a fast sale from stalling at the finish line. Start with what escrow actually does and the California escrow process for condo sales, then review the key components of a high-rise condo contract.

What About HOA Dues, Assessments, and Taxes?

Buyers scrutinize a building's financial health, so sellers should get ahead of it. HOA dues, reserve levels, and any pending special assessments all affect what a buyer will pay, and disclosing them cleanly builds trust and speed. Understand how HOA dues and special assessments work in SF high-rises, and review property taxes on a San Francisco condo so you can answer buyer questions with confidence.

Which 94109 Neighborhood Am I Selling In?

94109 is not one market but several. By area, the eastern slope of Russian Hill and the summit of Nob Hill are its two largest pieces, together making up roughly 40 percent of the zip, and they set its luxury tone: Nob Hill anchors the summit with its grand hotels, cable cars, and prestige co-ops, selling at a median near $1,189 per square foot in early 2026, while Russian Hill brings quiet, view-rich streets and the highest per-foot pricing of the group, near $1,322. But the zip reaches further. Polk Gulch and the Van Ness corridor add walkable, more accessible condo stock that keeps the zip-wide median grounded; the Cathedral Hill stretch of the Western Addition and the Civic Center edge fill in the south; and an eastern slice of Pacific Heights sits inside 94109 as well, enough that nearly a quarter of that entire neighborhood falls within the zip. Locally, parts of 94109 also go by narrower names: Lower Nob Hill (sometimes called the Tendernob), Middle and Lower Polk along the Polk Gulch corridor, Cathedral Hill around St. Mary's Cathedral, and the Van Ness corridor, while the zip's southern and eastern edges brush the Tenderloin and Little Saigon. Knowing which of these micro-markets your home sits in sets the right expectations.

Explore why Nob Hill is a prestigious address, whether Russian Hill is a good place to buy, and how the hills compare in our Nob Hill vs. Russian Hill vs. Pacific Heights guide.

When Is the Best Time to Sell in 94109?

Timing can add or subtract from your result. San Francisco has real seasonal rhythms, and the right listing window depends on your building and buyer. See why summer is San Francisco's secret real estate season and why the end of the year can be the right moment to weigh your options.

Frequently Asked Questions

How much is my condo worth in 94109?

In the first half of 2026, 94109 condos sold at a median of about $1,090,000, or roughly $1,072 per square foot. Your specific value depends on the building, floor, view, condition, and parking, so compare against recent closed sales in your building rather than the zip-wide average.

How long does it take to sell a condo in 94109?

About three weeks. The median days on market for condos, co-ops, and TICs in 94109 was roughly 19 in Q1-Q2 2026, with well-priced homes moving faster.

Are 94109 homes selling over asking?

On balance they sold right at asking, a median of about 100 percent of original list. Correctly priced homes drew offers at the number, while overpriced ones tended to sit and reduce.

Is my Nob Hill home a condo or a co-op?

Nob Hill has a high share of stock cooperatives alongside its condominiums. Confirm which you own, because it changes how the home is financed and sold. Co-ops sold at a per-foot premium in early 2026 but require board approval and a narrower lender pool.

Should I sell now or wait?

The early-2026 data points to a steady, seller-friendly market for well-priced homes in 94109. The better question is usually about your building and timing, which a local specialist can help you weigh.

Work With Sean Mamola

Thinking about selling your 94109 condo? Sean Mamola brings 17+ years of real estate expertise and a luxury hospitality background to every client relationship, with a track record spanning entry-level condos to an $8.7 million South Beach penthouse. As a Global Luxury Specialist with Compass who works the Nob Hill and Russian Hill markets closely, Sean prices, prepares, and positions each home to sell for the most the market will pay. Schedule a consultation or call (415) 704-3640.