ZIP 94104 broadband research · San Francisco, California Availability varies by exact service address
San Francisco ZIP 94104

94104 Internet Providers

ZIP 94104 is a very small downtown San Francisco broadband market centered on the Financial District. Current ZIP-level data identifies Xfinity as the broadest reported wired network, while AT&T and Astound appear in fiber-related records. T-Mobile, Verizon and several fixed-wireless providers add wireless alternatives, but the unusually high concentration of office, high-rise and mixed-use buildings makes building-level verification especially important.

● 94104 is not a typical large residential ZIP. Provider datasets describe network availability across a very small downtown geography, while the service actually available to a resident or business can depend heavily on the individual building, unit and network facilities serving it.

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Location
San Francisco, California · 94104
Main technologies
Cable · Fiber · Fixed Wireless · Satellite
Local geography
Financial District / Downtown
Research standard
Building-level verification required

What the 94104 broadband evidence shows

94104 is unusual because its postal geography is extremely small and downtown-focused. Current FCC-derived broadband information reports Xfinity cable across the ZIP, while separate records identify fiber facilities associated with Xfinity, Astound and AT&T in portions of the area. Fixed-wireless networks are also widely reported. The important distinction is between a network appearing in ZIP-level records and a provider actually serving a particular downtown building.

Cable

Xfinity has the broadest reported wired footprint

Current FCC-derived data reports Xfinity cable coverage at approximately 100% of 94104. A separate ZIP-level broadband source likewise identifies Xfinity cable across the ZIP. This makes cable the most consistently documented wired technology in the current evidence, although building serviceability still has to be checked directly.

Fiber

Fiber appears in several network records

Current ZIP-level data reports fiber-related coverage from Xfinity, Astound and AT&T. One dataset reports Xfinity fiber at about 70.14%, Astound fiber at about 27.43% and AT&T fiber at about 17.19%. These are dataset classifications, not proof that those retail fiber products are available in every building represented by the ZIP.

Downtown buildings

Building infrastructure matters more than the ZIP boundary

94104 covers only a small downtown area and is associated with the Financial District, which also extends into other ZIP codes. Office towers, apartments, condominiums and mixed-use buildings can connect to different network facilities. For this ZIP, the building address and unit or suite are particularly important parts of an availability check.

94104 provider comparison

The table separates ZIP-level network evidence from address-level serviceability. Coverage percentages come from current secondary broadband datasets and should be treated as indicators of reported network presence, not live ordering results.

Provider Technology 94104 evidence Reported maximum What to verify
Xfinity
Broad ZIP footprint
Cable Current FCC-derived data reports approximately 100% Xfinity cable coverage in 94104. Another current ZIP source likewise reports Xfinity cable throughout the ZIP. Up to 2 Gbps in current San Francisco offerings Exact building, available tier, upload speed and equipment terms
Xfinity
Fiber record
Fiber A current FCC-derived secondary dataset classifies Xfinity fiber at approximately 70.14% of 94104. This should be treated as a broadband-data technology classification rather than proof that a residential Xfinity fiber product is orderable at every address. Up to 2 Gbps in current reported offerings Actual technology and retail plan offered at the address
AT&T Fiber
Partial fiber record
Fiber Current ZIP-level data reports AT&T fiber coverage at approximately 17.19% of 94104. AT&T's current availability system requires an exact address to determine whether Fiber or another AT&T service can be ordered. Up to 5 Gbps where available Exact building, unit and available AT&T technology
Astound Broadband
Partial fiber record
Fiber Current FCC-derived secondary data reports Astound fiber at about 27.43% of 94104. The dataset should not be interpreted as evidence that Astound's residential service reaches every address within that percentage. Up to about 1.5 Gbps in reported ZIP data Exact building and current Astound service qualification
T-Mobile Home Internet
Fixed wireless
5G fixed wireless Current ZIP-level broadband data reports T-Mobile fixed-wireless service in 94104. A separate provider dataset reports broad T-Mobile availability, but wireless eligibility remains dependent on the exact location and network capacity. Up to about 498 Mbps in current ZIP-level reporting Address eligibility, capacity and wireless conditions
Verizon 5G Home Internet
Fixed wireless
Fixed wireless Current ZIP-level data reports Verizon fixed-wireless coverage across most of 94104. This is a network coverage indicator rather than a guarantee that every apartment, office or unit can order Verizon 5G Home Internet. Plan and location dependent Exact address and current 5G Home Internet eligibility
Unwired
Fixed wireless
Fixed wireless Current ZIP-level data reports Unwired fixed-wireless coverage throughout 94104, with reported service speeds around 300 Mbps. The network is structurally different from the wired networks entering individual downtown buildings. Up to about 300 Mbps Building eligibility and wireless equipment requirements
Etheric Networks
Fixed wireless
Fixed wireless Current ZIP-level data reports Etheric Networks coverage at approximately 99% of 94104. Its presence adds another fixed-wireless option to the local broadband market, subject to site qualification. Up to about 250 Mbps Exact address, installation requirements and line-of-sight conditions
Satellite providers
Geographic option
Satellite Satellite services such as Starlink and HughesNet are geographically available in the ZIP and do not depend on the same local cable or fiber plant. For 94104, however, the physical suitability of a rooftop, balcony or other installation location can be more important than postal availability. Provider and plan dependent Installation location, clear sky view, equipment and plan terms
ZIP-level interpretation: The strongest consistent finding in the current evidence is that Xfinity has a very broad cable footprint in 94104. Fiber is also reported through several network records, but the datasets differ in how they classify technology and coverage. Fixed-wireless providers have substantial reported footprints as well. Because 94104 contains a concentrated mix of downtown office and residential buildings, building-level verification is more informative than treating any ZIP percentage as an address guarantee.

Internet providers serving the 94104 market

The providers below are included because current ZIP-level broadband records identify them in 94104. The descriptions distinguish reported network coverage from the retail service that a particular building can actually order.

Xfinity

Cable Broad 94104 footprint Up to 2 Gbps reported

Xfinity is the most consistently documented wired provider in the current 94104 evidence. An FCC-derived broadband dataset reports approximately 100% cable coverage in the ZIP, and another current ZIP-level source independently reports Xfinity cable throughout 94104. Xfinity's San Francisco service page confirms that the company provides internet service in the San Francisco area and directs customers to address-level availability.

  • Cable is the clearest Xfinity technology finding for 94104.
  • Current San Francisco offerings include multi-gigabit download tiers.
  • Upload capacity should be compared with fiber options where available.
  • Building wiring and the actual serviceable outlet remain important in downtown properties.
Local evidence: Current FCC-derived ZIP data reports Xfinity cable at approximately 100% of 94104. Xfinity's San Francisco page confirms local internet service and requires an address check for actual availability.

AT&T Fiber

Fiber Partial 94104 footprint Up to 5 Gbps

AT&T appears in current 94104 broadband records through both fiber and other network categories. One current FCC-derived dataset reports AT&T fiber at approximately 17.19% of the ZIP. AT&T's own availability system makes the important distinction: the provider determines the actual technology, plans and speeds only after checking the specific service address.

  • AT&T Fiber is reported in part of the 94104 broadband geography.
  • AT&T currently advertises fiber plans reaching 5 Gbps where available.
  • ZIP-level fiber percentages do not establish building-level eligibility.
  • Downtown high-rise and mixed-use properties should be checked by exact address and unit.
Local evidence: Current ZIP-level broadband data reports AT&T fiber in approximately 17.19% of 94104. AT&T's current availability system states that service and plan availability depend on the exact address.

Astound Broadband

Fiber record Partial 94104 footprint Up to 1.5 Gbps reported

Astound Broadband appears in current 94104 broadband records, including a fiber classification covering approximately 27.43% of the ZIP in one FCC-derived dataset. This is significant because it indicates another wired network layer beyond the dominant Xfinity cable footprint. The percentage should not be treated as a precise count of residential buildings because broadband datasets and provider service records can classify network availability differently.

  • Astound appears in current ZIP-level broadband records for 94104.
  • A current secondary dataset reports approximately 27.43% fiber coverage.
  • The reported technology should be verified against the actual retail offering.
  • Astound's address checker remains the appropriate final serviceability test.
Evidence standard: The Astound figure is presented as a dataset output rather than a claim that 27.43% of individual homes can necessarily order a particular Astound fiber plan.

T-Mobile Home Internet

5G fixed wireless 94104 market presence Capacity dependent

T-Mobile provides a fixed-wireless alternative to the wired networks reported in 94104. Current ZIP-level data identifies T-Mobile service in the ZIP, while separate provider datasets report broad fixed-wireless coverage. Wireless availability does not operate like cable or fiber: a nearby building can qualify while another address does not, depending on network capacity and local radio conditions.

  • No dedicated neighborhood cable or fiber drop is required.
  • Eligibility can depend on the capacity assigned to a local cellular site.
  • Building construction and indoor signal conditions can affect practical performance.
  • T-Mobile's current address check is required before treating service as available.
Local evidence: Current 94104 broadband data identifies T-Mobile fixed-wireless service in the ZIP. The reported coverage should be interpreted as a wireless network indicator rather than a guaranteed retail qualification.

Verizon 5G Home Internet

Fixed wireless Broad reported footprint Address dependent

Verizon is another fixed-wireless provider reported in 94104. Current FCC-derived ZIP data reports Verizon fixed-wireless coverage across approximately 99% of the ZIP. The unusually high ZIP percentage does not eliminate the need for an address check, particularly in downtown buildings where indoor signal, installation location and network capacity can differ between properties.

  • Service uses Verizon's wireless network rather than a wired neighborhood plant.
  • ZIP-level coverage is not the same as current retail eligibility.
  • High-rise construction can affect wireless reception inside a unit.
  • Verizon's address checker is required for current plan availability.
Local evidence: Current ZIP-level data reports Verizon fixed-wireless coverage at approximately 99.13% of 94104. That figure is treated as a coverage indicator rather than an address-level ordering result.

Unwired

Fixed wireless Broad reported footprint Up to 300 Mbps

Unwired is a local fixed-wireless network appearing in current 94104 broadband records. One FCC-derived dataset reports coverage throughout the ZIP, with a reported maximum speed around 300 Mbps. Fixed-wireless service differs from mobile 5G home internet because site qualification, equipment placement and the provider's network design can determine whether an individual building can be connected.

  • Current ZIP data reports Unwired fixed-wireless coverage in 94104.
  • Reported maximum speed is approximately 300 Mbps.
  • Service qualification can depend on the property and wireless path.
  • The provider should confirm installation feasibility at the exact location.
Local evidence: Current FCC-derived data reports Unwired fixed-wireless service throughout 94104. The dataset is used here to establish local network presence, not to guarantee service at every building.

94104 internet speed guide

The speed requirement for a 94104 property depends on how the connection is used and, for many downtown buildings, on what network technology is actually delivered to the unit. A 1 Gbps cable or fiber plan can behave differently from a fixed-wireless connection even when the headline download number looks similar.

100–300

Mbps

Appropriate for ordinary browsing, video meetings, streaming and smaller households when the connection remains stable.

500 Mbps

Mbps

Useful for households or small offices with multiple simultaneous users, cloud applications and several streaming devices.

1–2 Gbps

High-capacity plans

Relevant for heavy multi-device use, large file transfers, business workloads and properties with many simultaneously active connections.

5 Gbps

Multi-gig fiber

Available only where the specific building and provider network support the corresponding fiber plan and the customer's equipment can use it.

Do not compare download speed alone. In 94104, the difference between cable, fiber and fixed wireless can be more meaningful than the advertised download number. Upload capacity, latency, congestion, indoor wireless conditions, equipment, installation requirements and recurring pricing can materially affect the connection actually delivered to a downtown building.

Connection types in 94104

The current 94104 evidence shows a concentrated mix of cable, fiber-related records and fixed wireless. Satellite is geographically available as well. Because the ZIP is dominated by downtown buildings rather than a large spread-out residential area, the distinction between street network coverage and building-level service is especially important.

Fiber

Current ZIP-level data reports fiber-related service from Xfinity, Astound and AT&T. One current dataset reports Xfinity fiber at about 70.14%, Astound fiber at 27.43% and AT&T fiber at 17.19%. These figures should be interpreted as broadband-data classifications and checked against the actual retail service offered at the building.

Cable

Xfinity cable is the most consistently documented wired network in 94104. Current FCC-derived data reports approximately 100% ZIP-level cable coverage. The figure describes network coverage in the dataset, not a guarantee that every unit in a downtown building can immediately order the same plan.

5G / fixed wireless

T-Mobile and Verizon are reported across large portions of 94104 through fixed-wireless services. Unwired and Etheric also appear in current broadband records. Wireless eligibility can vary according to network capacity, signal conditions, building construction and installation requirements.

Satellite

Satellite services remain geographically available in 94104. They are less dependent on the local cable or fiber plant, but downtown properties can present practical installation considerations involving roof access, equipment placement and an unobstructed view of the sky.

What is different about broadband in 94104?

94104 is not a typical San Francisco residential ZIP. It is a tiny downtown postal area associated primarily with the Financial District, while the Financial District itself extends across several ZIP codes. That geography changes how broadband availability should be interpreted.

1

94104 is one of San Francisco's smallest ZIP geographies

Current ZIP information places 94104 at roughly 0.08 square miles, with a population measured in only several hundred residents. The small geography means that ZIP-level percentages represent a very concentrated downtown network area rather than a large residential territory with many miles of streets.

2

The ZIP is associated with the Financial District

94104 is identified with San Francisco's Financial District, but the Financial District also uses other ZIP codes including 94108, 94111 and 94133. A provider serving one downtown block or building outside 94104 should therefore not automatically be treated as evidence for every address inside 94104.

3

Xfinity cable has the clearest broad-coverage finding

Current FCC-derived secondary data reports Xfinity cable coverage at approximately 100% of 94104. Another current provider dataset also reports Xfinity cable across the ZIP. This is the strongest consistent ZIP-level wired finding in the sources reviewed.

4

Fiber records overlap, but the percentages need careful interpretation

A current broadband dataset reports Xfinity fiber at approximately 70.14%, Astound fiber at 27.43% and AT&T fiber at 17.19%. These figures show that multiple fiber-related network records exist in the ZIP, but they should not be converted directly into claims about which residential retail plans every building can order.

5

High-rise and mixed-use buildings make address verification unusually important

The Financial District contains office towers, apartment buildings, condominiums and mixed-use properties. A provider network reaching a downtown street does not establish that the same provider has the required riser, wiring, equipment or building access for every unit or suite. For 94104, the building is a more useful research unit than the ZIP boundary alone.

94104 local broadband findings

These findings focus on what the current ZIP-level evidence establishes about the downtown broadband market without turning coverage estimates into unsupported address-level claims.

Finding Evidence What it means for a 94104 address
Xfinity cable Current FCC-derived data reports approximately 100% ZIP-level cable coverage Xfinity is a primary wired network to check at downtown properties.
Xfinity fiber record Current secondary broadband data reports approximately 70.14% fiber coverage The dataset identifies extensive fiber-related network records, but the actual retail technology must be verified at the address.
AT&T Fiber Current ZIP-level data reports approximately 17.19% AT&T fiber coverage AT&T should be checked independently where a property may have access to its fiber network.
Astound fiber Current FCC-derived data reports approximately 27.43% Astound fiber coverage Astound provides another reported wired/fiber layer, but its actual retail availability must be confirmed by building.
T-Mobile fixed wireless Current ZIP-level provider data reports T-Mobile home internet service in 94104 Wireless service can be a separate option where wired service is unsuitable, subject to capacity and address eligibility.
Verizon fixed wireless Current FCC-derived data reports Verizon fixed-wireless coverage at approximately 99.13% The network is broadly reported, but exact 5G Home Internet eligibility still needs an address check.
Unwired / Etheric Current ZIP-level data reports substantial fixed-wireless footprints for both providers Local fixed-wireless alternatives exist beyond the national mobile providers, subject to site qualification.

Buildings and development patterns inside 94104

Because 94104 is concentrated in the Financial District, broadband research here should focus on building type and network entry points rather than treating the ZIP as a conventional residential neighborhood.

Financial District core The defining geography of 94104. Office buildings and commercial properties are prominent, while residential units are concentrated within a broader downtown mixed-use environment.
High-rise properties Multi-story buildings can have provider infrastructure entering the building without every floor, suite or unit necessarily supporting the same retail technology or plan.
Mixed-use buildings Buildings containing both commercial and residential space can have different service arrangements by floor, suite or unit. An address check should identify the correct service type before ordering.
Apartment and condominium units Residents may face building-specific wiring, equipment-room and installation constraints that are not visible in ZIP-level coverage databases.
Downtown office space Commercial internet availability can differ from residential service. A business address should therefore be entered into the appropriate provider availability tool rather than assuming residential eligibility.
ZIP boundaries The Financial District extends beyond 94104 into adjacent ZIP codes. A provider result for nearby 94108, 94111 or 94133 should not be treated as evidence for every 94104 address.
Why this matters: 94104's extremely small geography can make ZIP-level coverage percentages look more precise than they really are. A single downtown building can contain many units or suites with different service arrangements. For residential customers, the apartment or condominium unit matters; for businesses, the exact suite and service address matter.

Nearby San Francisco ZIP-code broadband guides

The Financial District and surrounding downtown area span multiple ZIP codes. Nearby ZIPs can have different building mixes and network footprints, so they should be researched separately.

How to verify internet service at a 94104 address

The most useful sequence for 94104 is to identify the networks reported in the ZIP and then verify the actual building, unit or business suite with each provider.

1. Check the wired networks first

  • Check Xfinity for cable service and current plan tiers.
  • Check AT&T for fiber availability at the exact address.
  • Check Astound because current ZIP data reports a meaningful fiber footprint.
  • For apartment or condominium properties, confirm the exact unit rather than only the building ZIP.

2. Compare fixed wireless separately

  • Check T-Mobile Home Internet at the exact address.
  • Check Verizon 5G Home Internet independently.
  • Check local fixed-wireless providers such as Unwired or Etheric where relevant.
  • Consider building construction, signal conditions and installation requirements.

3. Compare more than download speed

  • Upload speed
  • Latency
  • Data caps or network-management policies
  • Equipment and Wi-Fi requirements
  • Installation requirements
  • Regular versus promotional pricing

4. Match the service type to the property

94104 includes both residential and commercial properties. A residential apartment, condominium unit, office suite and mixed-use building may have different service options even when they share the same street address or ZIP code. The final check should therefore use the correct service address and, where requested, the specific apartment or suite.

What to compare before choosing a 94104 connection

The downtown provider market makes it useful to compare the actual network reaching the building rather than relying on the largest advertised speed associated with the ZIP.

Cable versus fiber

Identify the actual technology

Current 94104 datasets contain both cable and several fiber-related records. Determine which technology is actually offered at the property before comparing advertised download speeds.

Downtown buildings

Verify the unit or suite

A network can reach a downtown building without every apartment, office suite or condominium unit having identical service options. Building wiring and provider equipment can affect the final result.

Wireless alternatives

Check fixed wireless independently

T-Mobile, Verizon, Unwired and Etheric add wireless options to the 94104 market. Their reported ZIP coverage should not be treated as equivalent to guaranteed service because capacity and installation conditions can vary by address.

Check the exact 94104 address

ZIP-level research identifies the downtown provider market. Provider address tools determine which service can actually be ordered.

Check Availability

Sources and methodology

This page gives greater weight to official provider information for current service and address-check requirements, while using FCC-derived ZIP-level broadband data as a secondary network-coverage layer.

Official provider sources

  • AT&T's current internet availability system, which requires an exact service address to determine whether AT&T Fiber or Internet Air is available and which plans can be ordered.
  • AT&T's current fiber information, which lists fiber speeds up to 5 Gbps where available and explains that availability depends on the service address.
  • Xfinity's current San Francisco internet page, which confirms local internet service and instructs customers to check availability at their address.
  • Current provider address-check systems were treated as the final verification layer rather than assuming that ZIP-level percentages establish serviceability.

ZIP-level broadband data

  • Current FCC Broadband Data Collection-derived information for 94104 was reviewed through secondary broadband datasets using data updated in September 2026.
  • One current FCC-derived source reports approximately 100% Xfinity cable coverage, 70.14% Xfinity fiber, 27.43% Astound fiber and 17.19% AT&T fiber in 94104.
  • The same current dataset reports broad fixed-wireless footprints including approximately 100% Unwired, 99.31% Etheric Networks, 99.13% Verizon, 100% T-Mobile and 62.33% GeoLinks.
  • These figures are treated as dataset outputs and coverage indicators, not as live provider guarantees for a particular building, apartment, condominium unit or office suite.
Research limitation: ZIP 94104 is an unusually small downtown postal geography and is not a broadband service boundary. Provider datasets can classify network technology differently and can use different update dates and geographic methods. The current evidence consistently identifies Xfinity and several wireless networks, while fiber coverage is reported through multiple network records. Provider address tools remain the final authority for a specific 94104 property.

94104 internet provider FAQ

Answers below distinguish ZIP-level broadband evidence from what can actually be established for an individual downtown San Francisco building or unit.

What internet providers serve ZIP code 94104?
Current ZIP-level broadband evidence identifies Xfinity, AT&T, Astound Broadband, T-Mobile, Verizon and several fixed-wireless providers in the 94104 market. Satellite services are also geographically available. Xfinity has the broadest reported cable footprint, while multiple fiber-related records appear in the current datasets. The exact provider list for a property should be confirmed by address.
Does Xfinity serve 94104?
Yes, current FCC-derived ZIP-level data reports Xfinity cable coverage at approximately 100% of 94104. A separate current ZIP-level source also reports Xfinity cable throughout the ZIP. This establishes a very broad reported cable footprint, but individual buildings should still be checked directly.
Is AT&T Fiber available in 94104?
Current ZIP-level broadband data reports AT&T fiber in approximately 17.19% of 94104. That figure is a coverage estimate rather than a guarantee for a particular address. AT&T's own availability system requires the exact service address to determine whether Fiber is available and which plan and speed can be ordered.
Does Astound Broadband serve 94104?
Astound appears in current ZIP-level broadband records for 94104, including a reported fiber footprint of approximately 27.43% in one FCC-derived dataset. Because network classifications and retail serviceability can differ, the Astound address checker should be used to determine whether the specific building qualifies.
Is T-Mobile Home Internet available in 94104?
Current ZIP-level provider data identifies T-Mobile fixed-wireless service in 94104. Fixed-wireless eligibility can depend on the exact address, network capacity and radio conditions. A nearby qualifying address does not necessarily establish eligibility for another building.
Is Verizon 5G Home Internet available in 94104?
Current FCC-derived broadband data reports Verizon fixed-wireless coverage across approximately 99.13% of 94104. That is a ZIP-level coverage indicator, not a live ordering result. Verizon's address checker is required to determine current 5G Home Internet eligibility.
Are there local fixed-wireless providers in 94104?
Yes. Current ZIP-level broadband data identifies providers including Unwired and Etheric Networks, in addition to national fixed-wireless providers such as T-Mobile and Verizon. Their reported coverage does not establish that every downtown building can be connected because site qualification and equipment requirements can differ.
Why is 94104 different from many San Francisco ZIP codes?
94104 is a very small downtown ZIP associated with the Financial District. Current ZIP information places the area at roughly 0.08 square miles and several hundred residents. The Financial District itself extends into multiple ZIP codes, so 94104 should not be treated as a large, uniform residential neighborhood.
Can two nearby buildings in 94104 have different internet providers?
Yes. Different buildings can connect to different network facilities, have different internal wiring, or have different provider equipment and installation arrangements. This is particularly relevant to downtown high-rise, apartment, condominium and mixed-use buildings.
Why do 94104 coverage percentages differ between broadband sources?
Broadband datasets can use different update dates, geographic units, provider records and methods for calculating coverage. The current sources reviewed consistently identify Xfinity and multiple wireless networks in 94104, but their technology-specific percentages differ. Those figures should therefore be used as coverage indicators rather than exact address-level measurements.
Why does this page use ZIP-level data instead of claiming exact coverage?
ZIP-level broadband data is useful for understanding which networks report service in the 94104 market. It cannot by itself establish that a particular apartment, condominium unit, office suite or mixed-use building can order a particular plan. Provider address checkers and building-specific verification provide the more precise answer.
Should a business in 94104 use the same availability information as a residence?
Not necessarily. 94104 contains substantial commercial property, and business internet products can use different service qualifications, contracts, equipment and network facilities than residential products. A business should use the provider's business-service availability process for the exact suite or service address.
Availability disclaimer: Provider names, technologies, advertised speeds, pricing and availability can change. ZIP-level broadband information does not guarantee service at an individual address. Apartment buildings, condominiums, office towers, mixed-use properties and individual units or suites may have different network infrastructure. Always confirm service, technology, speed, equipment requirements and current pricing directly with the provider before ordering.
Check 94104 Availability