Mold Removal Cost And Risk In ZIP 94109, San Francisco CA

A typical professional mold job in ZIP 94109, San Francisco runs about $1,750 to $6,950 before rebuild. Half the homes here were built before 1938, older than the San Francisco County median of 1945.

1938Median year homes were built

83%Homes built before 1980

82%Homes rented, not owned

$1,390,000Median home value

$2,172Median gross rent

39,043Housing units

Neighborhood figures for ZIP Code Tabulation Area 94109 from Census ACS 2019 to 2023. Remediation pay in this metro is $28.65 an hour, BLS May 2025 wage survey.

83 percent of homes in 94109 went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out.

Most homes here are rented, 82 percent against 62 percent across San Francisco County. A renter's policy covers belongings and liability, while the owner's policy covers the building.

The top of a typical mold job here, $6,950, is about 0.5 percent of the median home value of $1,390,000.

Typical Prices In 94109

JobSizeNational Range94109 Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,750 to $6,950
Mold Remediationan attic$2,000 to $7,500$2,300 to $8,650
Mold Inspection and Testinga visual inspection$200 to $600$250 to $700
Mold Inspection and Testingan inspection with samples$300 to $1,000$350 to $1,150
Mold Inspection and Testinga clearance test$300 to $800$350 to $900

Estimate is the national range times 115.6 divided by 100, the price level for San Francisco-Oakland-Fremont, CA, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $6,950, that cap falls short by about $1,950 at the top of that range. Read the form

Water Hazards FEMA Rates For San Francisco County

FEMA rates San Francisco County high for inland flooding. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart

HazardFEMA Risk Rating
Inland floodingRelatively High
Coastal floodingRelatively Moderate
HurricaneNot Applicable
Cold waveNo Rating
Winter weatherVery Low

Source FEMA National Risk Index, December 2025, county level.

California Rules On Mold

Nearby ZIP Codes In San Francisco County

Part of San Francisco, San Francisco County, California.

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94109, CA Area

San Francisco, San Francisco County