Zip Code 94103 Area Codes. 94103 is located in the state of California in the San Francisco-Oakland-San Jose metro area. Zip code 94103 is primarily located in San Francisco County. The official postal service name used for 94103 is SAN FRANCISCO, California. Portions of the 94103 zip code are contained within or border the city limits of San Francisco, CA, . The 94103 area code is 415. 94103 can be classified socioeconically as a Lower Middle Class class zipcode in comparison to other zipcodes in California.