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    <link:label id="lab_us-gaap_RetainedEarningsUnappropriatedMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsUnappropriatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings, Unappropriated [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsUnappropriatedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsUnappropriatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsUnappropriatedMember" xlink:to="lab_us-gaap_RetainedEarningsUnappropriatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_LeverageRatioRequired_019fd3bd-0ae3-77d8-ac93-c21c6a1be4e6_terseLabel_en-US" xlink:label="lab_fhlbsf_LeverageRatioRequired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage ratio - Required</link:label>
    <link:label id="lab_fhlbsf_LeverageRatioRequired_label_en-US" xlink:label="lab_fhlbsf_LeverageRatioRequired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leverage Ratio, Required</link:label>
    <link:label id="lab_fhlbsf_LeverageRatioRequired_documentation_en-US" xlink:label="lab_fhlbsf_LeverageRatioRequired" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Leverage ratio requirement as defined in the regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_LeverageRatioRequired" xlink:href="fhlbsf-20260930.xsd#fhlbsf_LeverageRatioRequired"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_019fd3bd-0bbe-77f6-b8ba-c79ea0b808e0_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 5 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, after Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive"/>
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    <link:label id="lab_fhlbsf_NetInterestSettlementsMember_019fd3bd-0bbe-7729-a7d5-f2bea61953b0_terseLabel_en-US" xlink:label="lab_fhlbsf_NetInterestSettlementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net interest settlements</link:label>
    <link:label id="lab_fhlbsf_NetInterestSettlementsMember_label_en-US" xlink:label="lab_fhlbsf_NetInterestSettlementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Interest Settlements [Member]</link:label>
    <link:label id="lab_fhlbsf_NetInterestSettlementsMember_documentation_en-US" xlink:label="lab_fhlbsf_NetInterestSettlementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net settlements of Economic Hedges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_NetInterestSettlementsMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_NetInterestSettlementsMember"/>
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    <link:label id="lab_us-gaap_DepreciationAmortizationAndAccretionNet_019fd3bd-09d5-7d73-833f-d2da22421101_terseLabel_en-US" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization/(accretion)</link:label>
    <link:label id="lab_us-gaap_DepreciationAmortizationAndAccretionNet_label_en-US" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation, Amortization and Accretion, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAmortizationAndAccretionNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:to="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain_019fd3bd-0ae3-7d77-9d75-00bf00e16464_terseLabel_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument Option Feature [Domain]</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain_label_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Consolidated Obligation Option Feature [Domain]</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain_documentation_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Provides general categories of debt call features for which information is required or determined to be disclosed.</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain" xlink:to="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationOptionFeatureDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock_019fd3bd-09d6-7bab-b317-5f1401247a4f_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019fd3bd-0ae3-73cd-a391-9716c79c3275_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash collateral received, including accrued interest</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
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    <link:label id="lab_us-gaap_InterestExpenseCapitalSecurities_019fd3bd-0ae3-7abe-8838-71dba0443241_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseCapitalSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mandatorily redeemable capital stock</link:label>
    <link:label id="lab_us-gaap_InterestExpenseCapitalSecurities_label_en-US" xlink:label="lab_us-gaap_InterestExpenseCapitalSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Capital Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseCapitalSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseCapitalSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseCapitalSecurities" xlink:to="lab_us-gaap_InterestExpenseCapitalSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_019fd3bd-0ae3-7012-95df-91bb2de2268f_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument Risk [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_019fd3bd-0ae3-7ab6-bf15-a0285d0a304f_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_019fd3bd-0ae4-71bf-9194-47522222bdc9_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value by Measurement Frequency [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_019fd3bd-09d5-72f7-8b72-21be99c4078c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HTM securities</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Debt Securities, Held-to-Maturity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:to="lab_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_019fd3bd-0ae3-7a68-b894-5451bb686f43_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loans Held for Portfolio</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesTextBlock" xlink:to="lab_us-gaap_FinancingReceivablesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_019fd3bd-0bbe-7265-bbe1-ff987b3da29c_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
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    <link:label id="lab_us-gaap_ConversionOfStockSharesConverted1_019fd3bd-0ae3-71fb-8ee2-ed67c7d8e368_terseLabel_en-US" xlink:label="lab_us-gaap_ConversionOfStockSharesConverted1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of Class B Stock (Shares)</link:label>
    <link:label id="lab_us-gaap_ConversionOfStockSharesConverted1_label_en-US" xlink:label="lab_us-gaap_ConversionOfStockSharesConverted1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion of Stock, Shares Converted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConversionOfStockSharesConverted1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConversionOfStockSharesConverted1"/>
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    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_019fd3bd-0ae3-7596-9153-0adbec298545_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_019fd3bd-0ae3-77b7-9f95-099a7b8f21d0_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Principal collected</link:label>
    <link:label id="lab_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Principal Repayment, Loan and Lease, Held-for-Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:to="lab_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019fd3bd-09d5-764f-993c-7045e48411fc_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Losses</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax</link:label>
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    <link:label id="lab_us-gaap_StandbyLettersOfCreditMember_019fd3bd-09d5-7fb0-8916-3c778483fb21_verboseLabel_en-US" xlink:label="lab_us-gaap_StandbyLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Standby letters of credit outstanding</link:label>
    <link:label id="lab_us-gaap_StandbyLettersOfCreditMember_label_en-US" xlink:label="lab_us-gaap_StandbyLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Standby Letters of Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StandbyLettersOfCreditMember" xlink:to="lab_us-gaap_StandbyLettersOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTextBlock_019fd3bd-0ae3-7527-9552-78861722cbdd_verboseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTextBlock_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOperatingAbstract_019fd3bd-0ae3-717a-93ba-38d17e01ce08_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Expense:</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperatingAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperatingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOperatingAbstract" xlink:to="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LossContingenciesTable_019fd3bd-09d5-721a-b2c0-857b823ea6f0_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss Contingencies [Table]</link:label>
    <link:label id="lab_us-gaap_LossContingenciesTable_label_en-US" xlink:label="lab_us-gaap_LossContingenciesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingencies [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LossContingenciesTable" xlink:to="lab_us-gaap_LossContingenciesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_019fd3bd-0ae4-73b4-97ef-ba1d11c4aa76_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:to="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019fd3bd-09d6-7ad4-b605-df1729f476ca_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bonds</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019fd3bd-09d6-7e31-bc32-c5d8b77b32a6_verboseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total CO Bonds</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Consolidated Obligations, Bonds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds"/>
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    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_019fd3bd-0ae3-720b-b83d-25a4fb9cf802_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_019fd3bd-0ae3-730c-9e6a-6758578e58e5_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 5 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing after Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive"/>
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    <link:label id="lab_fhlbsf_NonCallableMember_019fd3bd-09d5-7978-9a3c-370b3fc678c4_terseLabel_en-US" xlink:label="lab_fhlbsf_NonCallableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-callable</link:label>
    <link:label id="lab_fhlbsf_NonCallableMember_label_en-US" xlink:label="lab_fhlbsf_NonCallableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non Callable [Member]</link:label>
    <link:label id="lab_fhlbsf_NonCallableMember_documentation_en-US" xlink:label="lab_fhlbsf_NonCallableMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A debt obligation not collateralized by pledge, mortgage or other lien in the entity's assets and is neither callable or putable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_NonCallableMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_NonCallableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_NonCallableMember" xlink:to="lab_fhlbsf_NonCallableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019fd3bd-09d5-71a7-8d57-6a229173e28d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unpaid principal balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Fee, and Loan in Process</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess"/>
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    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_019fd3bd-09d5-7829-a8e8-cba20a9054ee_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract_019fd3bd-0ae3-7767-b7d6-bc23bf24ba88_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated obligations:</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Consolidated Obligations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankConsolidatedObligationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_019fd3bd-0ae4-7cb1-ab56-d9d9d41ae3d1_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HTM (Amortized Cost &amp; Fair Values)</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_019fd3bd-0ae3-7a7a-b33e-afb60e65fc12_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transactions with Certain Members, Certain Nonmembers, and Other FHLBanks</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromHedgeFinancingActivities_019fd3bd-09d6-7d1d-b1c3-7558bec72642_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromHedgeFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net proceeds/(payments) on derivative contracts with financing elements</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromHedgeFinancingActivities_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromHedgeFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Hedge, Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromHedgeFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromHedgeFinancingActivities"/>
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    <link:label id="lab_dei_EntityAddressStateOrProvince_019fd3bd-09d5-787b-8cc7-afe2ed0cb5b9_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019fd3bd-0ae4-78ba-8cde-6c1c30f6e910_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Losses: Total</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
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    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_019fd3bd-0ae3-776b-aa7b-7268d0d0c432_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital stock, par value</link:label>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_019fd3bd-09d5-7a4b-8582-117a9e4b2d2b_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:to="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_019fd3bd-0ae3-7899-baaa-e0d0ec689b18_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption, Period [Axis]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption, Period [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:to="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_019fd3bd-09d5-7d67-ab1d-3cb65fc378dc_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Notional Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeNotionalAmount" xlink:to="lab_us-gaap_DerivativeNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_019fd3bd-0ae3-7ae8-affe-9cbb18909600_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LossContingenciesLineItems_019fd3bd-09d5-7ad9-aa1f-a5d96a49fa3f_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss Contingencies [Line Items]</link:label>
    <link:label id="lab_us-gaap_LossContingenciesLineItems_label_en-US" xlink:label="lab_us-gaap_LossContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingencies [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LossContingenciesLineItems" xlink:to="lab_us-gaap_LossContingenciesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive_019fd3bd-09d6-7dcf-984c-2f47994b5b77_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 4 years through 5 years</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturities, Repayments of Principal in Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDepositsInBanks_019fd3bd-0ae4-7374-9ffd-0b0d9d01f7fa_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositsInBanks_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Deposits in Banks and Other Financial Institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositsInBanks" xlink:to="lab_us-gaap_InterestBearingDepositsInBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds_019fd3bd-0ae4-75df-968e-a2fae11a8878_terseLabel_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Principal Balance, CO Bonds</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds_label_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Principal Balance, Consolidated Obligation Bonds</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds_documentation_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the outstanding amount of the unpaid principal balance of consolidated obligation bonds for which the fair value option has been elected.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:to="lab_fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember_019fd3bd-09d6-7929-aa1c-eaee9991f8fa_terseLabel_en-US" xlink:label="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earlier of Contractual Maturity or Next Call Date [Member]</link:label>
    <link:label id="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember_label_en-US" xlink:label="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earlier of Contractual Maturity or Next Call Date [Member]</link:label>
    <link:label id="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember_documentation_en-US" xlink:label="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Long-term debt by maturity type, using earlier of contractual maturity or next call date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:to="lab_fhlbsf_EarlierOfContractualMaturityOrNextCallDateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_019fd3bd-09d5-744d-94ef-64a6a95ac3c0_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 3 years through 4 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019fd3bd-0bbe-77b7-8610-6b187a25b099_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value: Due Year 5-10</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_019fd3bd-0ae3-744a-90d4-75d394d9b3ef_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain" xlink:to="lab_us-gaap_ShortTermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019fd3bd-0bbe-73d8-88c2-c89dc73d6679_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Accrued Interest Receivable, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_019fd3bd-0ae4-7d9a-9273-60e12789f80c_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Other Income/(Loss)</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncome" xlink:to="lab_us-gaap_NoninterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_019fd3bd-0ae3-763c-a8ec-884811d2543f_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTable" xlink:to="lab_us-gaap_ConcentrationRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fd3bd-09d5-7298-94a3-23a23e748426_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost: Total</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019fd3bd-09d5-71fa-b552-2f813fd2eeb1_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_019fd3bd-0ae3-75a5-b583-6bd3ff4eded5_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
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    <link:label id="lab_us-gaap_CapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CapitalAbstract"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvances_019fd3bd-0ae3-70b9-b4ba-efe0f44f904b_totalLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalActual_019fd3bd-0ae3-77ec-9d14-3e5ee7f95c0b_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalActual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital, Actual</link:label>
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    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
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    <link:label id="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums_label_en-US" xlink:label="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Unamortized Premiums</link:label>
    <link:label id="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums_documentation_en-US" xlink:label="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reflects the cumulative amount of premiums over the face amount of loans that are being amortized into income as an adjustment of yield.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums" xlink:href="fhlbsf-20260930.xsd#fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums" xlink:to="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedPremiums" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Liabilities_019fd3bd-0ae3-7946-ad29-e8bfdd17341e_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Liabilities</link:label>
    <link:label id="lab_us-gaap_Liabilities_label_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankLeverageCapitalActual_019fd3bd-0ae4-7282-b000-8cc1a4992e81_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankLeverageCapitalActual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage Capital, Actual</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankLeverageCapitalActual_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankLeverageCapitalActual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankLeverageCapitalActual" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankLeverageCapitalActual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankLeverageCapitalActual" xlink:to="lab_us-gaap_FederalHomeLoanBankLeverageCapitalActual" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fd3bd-09d5-7162-bb50-86a1499fa345_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AFS securities</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019fd3bd-09d5-722e-9d4f-db83f71b970e_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair&#160;Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_AdjustableInterestRateMember_019fd3bd-0ae3-71e2-82e6-8cd8a2b22717_terseLabel_en-US" xlink:label="lab_fhlbsf_AdjustableInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustable Interest Rate [Member]</link:label>
    <link:label id="lab_fhlbsf_AdjustableInterestRateMember_label_en-US" xlink:label="lab_fhlbsf_AdjustableInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustable Interest Rate [Member]</link:label>
    <link:label id="lab_fhlbsf_AdjustableInterestRateMember_documentation_en-US" xlink:label="lab_fhlbsf_AdjustableInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments with a variable or adjustable rate of interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_AdjustableInterestRateMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_AdjustableInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_AdjustableInterestRateMember" xlink:to="lab_fhlbsf_AdjustableInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_RegulatoryCapitalRatioRequired_019fd3bd-0ae3-7494-b62c-e4ed1d35f6e5_terseLabel_en-US" xlink:label="lab_fhlbsf_RegulatoryCapitalRatioRequired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital Ratio, Required</link:label>
    <link:label id="lab_fhlbsf_RegulatoryCapitalRatioRequired_label_en-US" xlink:label="lab_fhlbsf_RegulatoryCapitalRatioRequired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Ratio, Required</link:label>
    <link:label id="lab_fhlbsf_RegulatoryCapitalRatioRequired_documentation_en-US" xlink:label="lab_fhlbsf_RegulatoryCapitalRatioRequired" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Regulatory capital ratio requirement as defined in the regulations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_RegulatoryCapitalRatioRequired" xlink:href="fhlbsf-20260930.xsd#fhlbsf_RegulatoryCapitalRatioRequired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_RegulatoryCapitalRatioRequired" xlink:to="lab_fhlbsf_RegulatoryCapitalRatioRequired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_019fd3bd-0ae3-7442-a733-b8f9c0705573_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Other FHLBank Borrowings</link:label>
    <link:label id="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_label_en-US" xlink:label="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from FHLBank Borrowings, Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:to="lab_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour_019fd3bd-09d5-760d-8853-f8b1abe46fcd_terseLabel_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 3 years through 4 years</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour_label_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Consolidated Obligations, Bonds, Weighted Average Interest Rate, Maturing In Rolling Year Four</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour_documentation_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted average interest rate for the Bank portion of joint and several obligations consisting of bonds issued by Federal Home Loan Bank (FHLBank) maturing in the fourth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsWeightedAverageInterestRateMaturingInRollingYearFour"/>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_019fd3bd-0bbe-74f4-8048-da07b12a8157_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gain/(loss) included in AOCI</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
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    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019fd3bd-09d5-7aa2-8455-4319dd068fd9_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_019fd3bd-0ae3-79fd-802d-b1249acea3be_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseDeposits" xlink:to="lab_us-gaap_InterestExpenseDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOtherShortTermBorrowings_019fd3bd-09d6-7604-872d-c0b5814bbb41_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount notes</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOtherShortTermBorrowings_019fd3bd-09d6-7977-8b62-1001bfd1fa16_negatedLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Discount notes</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOtherShortTermBorrowings_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Other Short-Term Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOtherShortTermBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:to="lab_us-gaap_InterestExpenseOtherShortTermBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_019fd3bd-09d5-711f-b828-351ea0be08c7_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConcentrationRiskLineItems"/>
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    <link:label id="lab_us-gaap_UnrealizedGainLossOnDerivatives_019fd3bd-0bbe-75d0-a1e0-7690a9e28c76_negatedLabel_en-US" xlink:label="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Change in net derivatives and hedging activities</link:label>
    <link:label id="lab_us-gaap_UnrealizedGainLossOnDerivatives_label_en-US" xlink:label="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gain (Loss) on Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrealizedGainLossOnDerivatives" xlink:to="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_019fd3bd-09d5-7f10-b099-08e5a18651d6_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment</link:label>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:to="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentCarryingAmount_019fd3bd-09d6-7ec5-a814-17c587b7b2d0_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CO Bonds Par</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentCarryingAmount_019fd3bd-09d6-76af-97dc-3d3e682a5080_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CO Bonds Par</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentCarryingAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019fd3bd-09d5-73b9-946d-12345476da2a_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flows from Operating Activities:</link:label>
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    <link:label id="lab_fhlbsf_OtherthanTemporaryImpairmentCreditLossesRecognizedinEarningsTotalaccretionoramortization_documentation_en-US" xlink:label="lab_fhlbsf_OtherthanTemporaryImpairmentCreditLossesRecognizedinEarningsTotalaccretionoramortization" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This item represents the total accretion or amortization associated with other than temporary impairment (OTTI) of a debt security held or impaired PLRMBS, that was recognized in interest income.</link:label>
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    <link:label id="lab_us-gaap_SharesIssued_019fd3bd-0ae3-776f-9528-6dba85e4c216_periodStartLabel_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance (Shares)</link:label>
    <link:label id="lab_us-gaap_SharesIssued_019fd3bd-0ae3-7e03-b698-433fc739de7c_periodEndLabel_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance (Shares)</link:label>
    <link:label id="lab_us-gaap_SharesIssued_label_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares, Issued</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesIssued" xlink:to="lab_us-gaap_SharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsDomestic_019fd3bd-09d6-7882-ac3f-3eb3455011ef_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsDomestic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsDomestic_019fd3bd-09d6-7497-b62e-8978f53ce06c_totalLabel_en-US" xlink:label="lab_us-gaap_DepositsDomestic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsDomestic_label_en-US" xlink:label="lab_us-gaap_DepositsDomestic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Domestic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomestic" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositsDomestic"/>
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    <link:label id="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_019fd3bd-0ae3-7279-8c5e-28cb46fcfab7_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks"/>
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    <link:label id="lab_dei_EntityEmergingGrowthCompany_019fd3bd-0ae3-7e50-a241-4aea257cc780_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
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    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
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    <link:label id="lab_us-gaap_CollateralDomain_label_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentageAbstract" xlink:to="lab_us-gaap_DebtInstrumentInterestRateEffectivePercentageAbstract" xlink:type="arc" order="1"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
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    <link:label id="lab_us-gaap_StatementOfIncomeLocationBalanceAxis_019fd3bd-0ae3-7980-8fdc-5e9562b02ce4_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfIncomeLocationBalanceAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Location, Statement of Income, Balance [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementOfIncomeLocationBalanceAxis_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeLocationBalanceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Location, Statement of Income, Balance [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeLocationBalanceAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfIncomeLocationBalanceAxis"/>
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    <link:label id="lab_us-gaap_AdvancesFairValueDisclosure_019fd3bd-0ae3-72e7-9ccd-0b8341bbc4be_periodStartLabel_en-US" xlink:label="lab_us-gaap_AdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of the period</link:label>
    <link:label id="lab_us-gaap_AdvancesFairValueDisclosure_019fd3bd-0ae3-746f-8ac0-ba91ebb565c0_periodEndLabel_en-US" xlink:label="lab_us-gaap_AdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance, end of the period</link:label>
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    <link:label id="lab_us-gaap_AdvancesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdvancesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdvancesFairValueDisclosure" xlink:to="lab_us-gaap_AdvancesFairValueDisclosure" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
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    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_019fd3bd-09d6-702b-8cac-6bbfc6fcc04a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
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    <link:label id="lab_us-gaap_OtherLiabilities_019fd3bd-09d6-7078-b56a-63776a805142_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeTable_019fd3bd-09d6-7d48-9f69-56f1f3d07a5d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative [Table]</link:label>
    <link:label id="lab_us-gaap_DerivativeTable_label_en-US" xlink:label="lab_us-gaap_DerivativeTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeTable" xlink:to="lab_us-gaap_DerivativeTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_019fd3bd-09d5-70c6-9e11-14f1a86c9fb7_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</link:label>
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    <link:label id="lab_fhlbsf_InterestIncomeFromAdvancesAbstract_019fd3bd-0bbe-7d7f-9941-2fbf13322a8f_terseLabel_en-US" xlink:label="lab_fhlbsf_InterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income from Advances</link:label>
    <link:label id="lab_fhlbsf_InterestIncomeFromAdvancesAbstract_label_en-US" xlink:label="lab_fhlbsf_InterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income from Advances [Abstract]</link:label>
    <link:label id="lab_fhlbsf_InterestIncomeFromAdvancesAbstract_documentation_en-US" xlink:label="lab_fhlbsf_InterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income from Advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_InterestIncomeFromAdvancesAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_InterestIncomeFromAdvancesAbstract"/>
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    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_019fd3bd-0ae3-7879-8c1d-224bb5c951f3_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from issuance of capital stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
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    <link:label id="lab_fhlbsf_OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities_019fd3bd-0ae3-7e27-9b18-8c7757c99c4f_verboseLabel_en-US" xlink:label="lab_fhlbsf_OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net change in fair value</link:label>
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    <link:label id="lab_fhlbsf_OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities_documentation_en-US" xlink:label="lab_fhlbsf_OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subsequent increases or decreases in fair value on OTTI Securities classified as AFS to the extent it does not exceed previously recorded non-credit OTTI.</link:label>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019fd3bd-09d5-7df1-91a7-8d693d38825e_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
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    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019fd3bd-09d5-7bd1-bbc7-ed951caa087e_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HTM Securities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Held-to-Maturity Securities [Line Items]</link:label>
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    <link:label id="lab_us-gaap_DepositsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_DepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Fair Value Disclosure</link:label>
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    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_019fd3bd-09d6-780c-87b2-33f6cde5a354_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeDomain" xlink:to="lab_us-gaap_MeasurementInputTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_019fd3bd-09d6-7ff2-9215-0c6292678a2f_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans held for portfolio</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_019fd3bd-09d6-74fd-8862-87b3175efd8d_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans held for portfolio</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:to="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract_019fd3bd-0bbe-78f6-8671-ebba4f480bf2_terseLabel_en-US" xlink:label="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of Interest Income from Advances</link:label>
    <link:label id="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract_label_en-US" xlink:label="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent of Interest Income from Advances [Abstract]</link:label>
    <link:label id="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract_documentation_en-US" xlink:label="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent of Interest Income from Advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:to="lab_fhlbsf_PercentOfInterestIncomeFromAdvancesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_019fd3bd-0ae4-7ada-ab26-27427f375072_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 3 years through 4 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_019fd3bd-0ae3-7ff3-9db2-d2c2913e9377_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_019fd3bd-09d5-788b-8e3f-c48ba201b7ab_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends on capital stock</link:label>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_label_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock, Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStockCash" xlink:to="lab_us-gaap_DividendsCommonStockCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquity_019fd3bd-09d5-7982-a384-e4b6f957883e_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Capital</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_019fd3bd-09d5-7b99-8159-52e3152b9b88_periodStartLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance (Value)</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_019fd3bd-09d5-7fb1-bb33-ac93b9544deb_periodEndLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance (Value)</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_019fd3bd-09d5-7b75-a36e-48844b3f1b15_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Attributable to Parent</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_label_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquity" xlink:to="lab_us-gaap_StockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalFundsSold_019fd3bd-09d5-7b85-8163-71b3a2cb7947_terseLabel_en-US" xlink:label="lab_us-gaap_FederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal funds sold</link:label>
    <link:label id="lab_us-gaap_FederalFundsSold_label_en-US" xlink:label="lab_us-gaap_FederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Funds Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSold" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalFundsSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalFundsSold" xlink:to="lab_us-gaap_FederalFundsSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree_019fd3bd-0ae4-7cef-ac24-bf6cb97bd088_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 2 years through 3 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, in Rolling Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain_019fd3bd-0ae3-7b87-ab72-5fb07cea327f_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate [Domain]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateNamePropertyTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:to="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromOtherShortTermDebt_019fd3bd-0ae3-70c9-9c0b-69156cc12df9_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromOtherShortTermDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Discount notes</link:label>
    <link:label id="lab_us-gaap_ProceedsFromOtherShortTermDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromOtherShortTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Other Short-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromOtherShortTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromOtherShortTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromOtherShortTermDebt" xlink:to="lab_us-gaap_ProceedsFromOtherShortTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_019fd3bd-09d5-7a2b-a0aa-189e16e53fd9_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets:</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_019fd3bd-0ae4-769b-b5df-98f56b57936a_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_019fd3bd-09d5-71c7-88cc-569e5c21d418_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_DerivativesAdditionCreditExposureNet_019fd3bd-0ae3-7da5-b767-1a97d18bfbb1_terseLabel_en-US" xlink:label="lab_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Addition Credit Exposure, Net</link:label>
    <link:label id="lab_fhlbsf_DerivativesAdditionCreditExposureNet_label_en-US" xlink:label="lab_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Addition Credit Exposure, Net</link:label>
    <link:label id="lab_fhlbsf_DerivativesAdditionCreditExposureNet_documentation_en-US" xlink:label="lab_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivatives, Addition Credit Exposure, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:href="fhlbsf-20260930.xsd#fhlbsf_DerivativesAdditionCreditExposureNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:to="lab_fhlbsf_DerivativesAdditionCreditExposureNet" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_HedgedItemTypeDomain_019fd3bd-0ae3-7bb8-a713-86b49bb03f89_terseLabel_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedged Item Type [Domain]</link:label>
    <link:label id="lab_fhlbsf_HedgedItemTypeDomain_label_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Item Type [Domain]</link:label>
    <link:label id="lab_fhlbsf_HedgedItemTypeDomain_documentation_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The name that identifies a derivative or a group of derivatives, by type of hedged item.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_HedgedItemTypeDomain" xlink:href="fhlbsf-20260930.xsd#fhlbsf_HedgedItemTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_HedgedItemTypeDomain" xlink:to="lab_fhlbsf_HedgedItemTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate_019fd3bd-0ae3-7721-9297-2e9aba948f2e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans held for portfolio</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans, Consumer, Real Estate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansConsumerRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_019fd3bd-0ae3-7358-8609-c62a55b461ca_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Measurements, Nonrecurring</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Nonrecurring [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesFairValue_019fd3bd-0ae4-7cae-ba14-f0146f245fbc_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">HTM securities, fair value</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesFairValue_019fd3bd-0ae4-7c2d-9a43-e24432d44e81_verboseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair&#160;Value</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesFairValue_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019fd3bd-0ae3-75ce-9684-e33a4410c88b_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net change in deposits and other financing activities</link:label>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Payment for) Other Financing Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:to="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_019fd3bd-0ae4-7824-93de-85ad258dbc28_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure_019fd3bd-09d5-762f-97e4-185d1de87d68_terseLabel_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure_label_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Fair Value Disclosure</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure_documentation_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:to="lab_fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_019fd3bd-09d5-7510-889f-32e2086395ce_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_OtherNoninterestExpenseNet_01a178dd-663e-7ed5-81eb-2553faaadfab_terseLabel_en-US" xlink:label="lab_fhlbsf_OtherNoninterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_fhlbsf_OtherNoninterestExpenseNet_label_en-US" xlink:label="lab_fhlbsf_OtherNoninterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense, Net</link:label>
    <link:label id="lab_fhlbsf_OtherNoninterestExpenseNet_documentation_en-US" xlink:label="lab_fhlbsf_OtherNoninterestExpenseNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Noninterest Expense, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_OtherNoninterestExpenseNet" xlink:href="fhlbsf-20260930.xsd#fhlbsf_OtherNoninterestExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_OtherNoninterestExpenseNet" xlink:to="lab_fhlbsf_OtherNoninterestExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_CallableMember_019fd3bd-09d5-7211-a430-7d7acce76650_terseLabel_en-US" xlink:label="lab_fhlbsf_CallableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Callable</link:label>
    <link:label id="lab_fhlbsf_CallableMember_label_en-US" xlink:label="lab_fhlbsf_CallableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Callable [Member]</link:label>
    <link:label id="lab_fhlbsf_CallableMember_documentation_en-US" xlink:label="lab_fhlbsf_CallableMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A debt obligation not collateralized by pledge, mortgage or other lien in the entity's assets and is callable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_CallableMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_CallableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_CallableMember" xlink:to="lab_fhlbsf_CallableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain_019fd3bd-09d5-76c1-ab79-c1b0e82c0aab_terseLabel_en-US" xlink:label="lab_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OTTI, Credit Losses Recognized in Earnings, Categories of Investments [Domain]</link:label>
    <link:label id="lab_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain_label_en-US" xlink:label="lab_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other than Temporary Impairment, Credit Losses Recognized in Earnings, Categories of Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain" xlink:to="lab_us-gaap_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsCategoriesOfInvestmentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019fd3bd-0ae3-7aa8-aa7c-afb0dbb29863_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_019fd3bd-0ae4-7965-b85a-3bcd5cc1b1f2_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_019fd3bd-09d5-7f7b-859b-603df084c8c6_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_DelinquencyStatisticsAbstract_019fd3bd-0ae3-7c7c-8fc5-1aa2f83d4e09_terseLabel_en-US" xlink:label="lab_fhlbsf_DelinquencyStatisticsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Delinquency Statistics [Abstract]</link:label>
    <link:label id="lab_fhlbsf_DelinquencyStatisticsAbstract_label_en-US" xlink:label="lab_fhlbsf_DelinquencyStatisticsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Delinquency Statistics [Abstract]</link:label>
    <link:label id="lab_fhlbsf_DelinquencyStatisticsAbstract_documentation_en-US" xlink:label="lab_fhlbsf_DelinquencyStatisticsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquency Statistics [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_DelinquencyStatisticsAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_DelinquencyStatisticsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_DelinquencyStatisticsAbstract" xlink:to="lab_fhlbsf_DelinquencyStatisticsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell_019fd3bd-0ae4-7fed-a749-80fa2158ec50_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities purchased under agreements to resell</link:label>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell_label_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Securities Purchased under Agreements to Resell</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell" xlink:to="lab_us-gaap_InterestIncomeSecuritiesPurchasedUnderAgreementsToResell" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019fd3bd-0ae4-735b-b1a6-227a3d143634_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Interest Income After Provision for/(Reversal of) Credit Losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_ClassB2CapitalStock_019fd3bd-0bbe-717d-936b-cad063023203_terseLabel_en-US" xlink:label="lab_fhlbsf_ClassB2CapitalStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class B-2 Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ClassB2CapitalStock_label_en-US" xlink:label="lab_fhlbsf_ClassB2CapitalStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class B-2 Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ClassB2CapitalStock_documentation_en-US" xlink:label="lab_fhlbsf_ClassB2CapitalStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class B-2 Capital Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ClassB2CapitalStock" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ClassB2CapitalStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ClassB2CapitalStock" xlink:to="lab_fhlbsf_ClassB2CapitalStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OverTheCounterMember_019fd3bd-09d5-720f-987e-ae4973791468_terseLabel_en-US" xlink:label="lab_us-gaap_OverTheCounterMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Uncleared derivatives</link:label>
    <link:label id="lab_us-gaap_OverTheCounterMember_label_en-US" xlink:label="lab_us-gaap_OverTheCounterMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Over-the-Counter [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OverTheCounterMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OverTheCounterMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OverTheCounterMember" xlink:to="lab_us-gaap_OverTheCounterMember" xlink:type="arc" order="1"/>
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    <link:label id="lab_fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock_label_en-US" xlink:label="lab_fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Consolidated Obligation Bonds by Call Feature [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock" xlink:to="lab_fhlbsf_ScheduleOfConsolidatedObligationBondsByCallFeatureTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_019fd3bd-0ae3-7e35-87d1-902d3c3b9a54_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by/(used in) operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ResidentialPortfolioSegmentMember_019fd3bd-0ae3-7c4a-98be-c006144f79a5_terseLabel_en-US" xlink:label="lab_us-gaap_ResidentialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential Portfolio Segment</link:label>
    <link:label id="lab_us-gaap_ResidentialPortfolioSegmentMember_label_en-US" xlink:label="lab_us-gaap_ResidentialPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Portfolio Segment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResidentialPortfolioSegmentMember" xlink:to="lab_us-gaap_ResidentialPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_PriceAlignmentAmountMember_019fd3bd-0bbe-7b64-9e07-2a5dbcab85a2_terseLabel_en-US" xlink:label="lab_fhlbsf_PriceAlignmentAmountMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price Alignment Amount</link:label>
    <link:label id="lab_fhlbsf_PriceAlignmentAmountMember_label_en-US" xlink:label="lab_fhlbsf_PriceAlignmentAmountMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Price Alignment Amount [Member]</link:label>
    <link:label id="lab_fhlbsf_PriceAlignmentAmountMember_documentation_en-US" xlink:label="lab_fhlbsf_PriceAlignmentAmountMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Price Alignment Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_PriceAlignmentAmountMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_PriceAlignmentAmountMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_PriceAlignmentAmountMember" xlink:to="lab_fhlbsf_PriceAlignmentAmountMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_019fd3bd-0ae3-71f6-9d62-010127f21377_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits</link:label>
    <link:label id="lab_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_label_en-US" xlink:label="lab_us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Deposits with Financial Institutions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:to="lab_us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_019fd3bd-0ae3-7f70-b155-1d3796afa55b_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_019fd3bd-0ae3-79dd-8ec4-3bf85dce10e4_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital:</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentTransitionReport_019fd3bd-09d5-7277-bf3f-b4421e30c7bc_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:label id="lab_dei_DocumentTransitionReport_label_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentTransitionReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_O2026Q2DividendsMember_019fd3bd-0bbe-7fb1-a064-03acc3958796_terseLabel_en-US" xlink:label="lab_fhlbsf_O2026Q2DividendsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">O 2026 Q2 Dividends</link:label>
    <link:label id="lab_fhlbsf_O2026Q2DividendsMember_label_en-US" xlink:label="lab_fhlbsf_O2026Q2DividendsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">O 2026 Q2 Dividends [Member]</link:label>
    <link:label id="lab_fhlbsf_O2026Q2DividendsMember_documentation_en-US" xlink:label="lab_fhlbsf_O2026Q2DividendsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">O 2026 Q2 Dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_O2026Q2DividendsMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_O2026Q2DividendsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_O2026Q2DividendsMember" xlink:to="lab_fhlbsf_O2026Q2DividendsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019fd3bd-0bbe-75b2-91a3-7abc4ac2f0d8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_019fd3bd-0ae4-7bf2-9223-877cef818d8f_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_019fd3bd-0bbe-7cfa-8e3d-6223ec7221d7_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument</link:label>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_label_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:to="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive_019fd3bd-09d5-7966-9007-dd822d41dac1_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 5 years</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturities, Repayments of Principal in Rolling after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInRollingAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebtAbstract_019fd3bd-0ae3-70e3-9068-69b6c3662917_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payments for matured and retired consolidated obligations:</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebtAbstract_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Long-Term Debt [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebtAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermDebtAbstract"/>
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    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember_019fd3bd-0bbe-7d07-9a89-49def819e909_verboseLabel_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fixed rate medium-term mortgage loans</link:label>
    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember_label_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable With Fixed Rates Of Interest Medium Term [Member]</link:label>
    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember_documentation_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A mortgage loan issued by a bank with a fixed rate of interest and a repayment period of 15 years or less.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:to="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestMediumTermMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilitiesDomestic_019fd3bd-0ae3-7246-b911-1dc4f5bd614d_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing Deposits</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilitiesDomestic_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Deposit Liabilities, Domestic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic"/>
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    <link:label id="lab_dei_CityAreaCode_019fd3bd-0ae3-7039-8ac6-1ffad6054f25_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_019fd3bd-0ae3-7b81-8d96-e5ad7de71fe5_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earlier of Redemption Term or Next Call Date</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Par Value, Earlier of Contractual Maturity or Next Call Date, Rolling Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Restricted</link:label>
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    <link:label id="lab_us-gaap_StatementLineItems_label_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
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    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
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    <link:label id="lab_dei_EntityDomain_label_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
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    <link:label id="lab_us-gaap_InterestExpenseOperating_019fd3bd-09d5-7d46-a3b2-0ee861f8b897_totalLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Interest Expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
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    <link:label id="lab_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares_label_en-US" xlink:label="lab_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Shares Reclassified to Mandatorily Redeemable Capital Stock, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares"/>
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    <link:label id="lab_us-gaap_ConversionOfStockAmountConverted1_019fd3bd-0bbe-7a11-b9f6-aed4babcb2ae_terseLabel_en-US" xlink:label="lab_us-gaap_ConversionOfStockAmountConverted1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of Class B Stock (Value)</link:label>
    <link:label id="lab_us-gaap_ConversionOfStockAmountConverted1_label_en-US" xlink:label="lab_us-gaap_ConversionOfStockAmountConverted1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion of Stock, Amount Converted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConversionOfStockAmountConverted1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConversionOfStockAmountConverted1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConversionOfStockAmountConverted1" xlink:to="lab_us-gaap_ConversionOfStockAmountConverted1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019fd3bd-0ae3-7ff4-98cc-e37c4e60b35d_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Gains</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
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    <link:label id="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract_019fd3bd-09d5-7bb3-abb7-98bd9cae86aa_terseLabel_en-US" xlink:label="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cumulative adjustments Disclosure [Abstract]</link:label>
    <link:label id="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract_label_en-US" xlink:label="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cumulative adjustments Disclosure [Abstract]</link:label>
    <link:label id="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract_documentation_en-US" xlink:label="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cumulative adjustments Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_CumulativeadjustmentsDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:to="lab_fhlbsf_CumulativeadjustmentsDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019fd3bd-0ae3-7fbd-b2bc-7d1d123e99d5_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_DebtSecuritiesByClassDomain_019fd3bd-09d5-7c47-875c-b1cf0a233e62_terseLabel_en-US" xlink:label="lab_fhlbsf_DebtSecuritiesByClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities by Class [Domain]</link:label>
    <link:label id="lab_fhlbsf_DebtSecuritiesByClassDomain_label_en-US" xlink:label="lab_fhlbsf_DebtSecuritiesByClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities by Class [Domain]</link:label>
    <link:label id="lab_fhlbsf_DebtSecuritiesByClassDomain_documentation_en-US" xlink:label="lab_fhlbsf_DebtSecuritiesByClassDomain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Securities by Classification as Prime, Alt-A, Option ARM, Alt-A, Other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_DebtSecuritiesByClassDomain" xlink:href="fhlbsf-20260930.xsd#fhlbsf_DebtSecuritiesByClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_DebtSecuritiesByClassDomain" xlink:to="lab_fhlbsf_DebtSecuritiesByClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_019fd3bd-0bbe-7093-bdb6-3857f1aea91f_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of capital stock (Shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOtherLongTermDebt_019fd3bd-09d6-768a-903b-d53cff3aa9e5_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bonds</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOtherLongTermDebt_019fd3bd-09d6-788e-a223-3180c4d895aa_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherLongTermDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Bonds</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOtherLongTermDebt_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Other Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOtherLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOtherLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOtherLongTermDebt" xlink:to="lab_us-gaap_InterestExpenseOtherLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_019fd3bd-09d6-7233-8c78-4a6adb00d99e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 4 years through 5 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_HedgedItemTypeAxis_019fd3bd-09d5-7cd8-b082-383eb19a22c4_terseLabel_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedged Item Type [Axis]</link:label>
    <link:label id="lab_fhlbsf_HedgedItemTypeAxis_label_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Item Type [Axis]</link:label>
    <link:label id="lab_fhlbsf_HedgedItemTypeAxis_documentation_en-US" xlink:label="lab_fhlbsf_HedgedItemTypeAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The name that identifies a derivative or a group of derivatives, by type of hedged item.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_HedgedItemTypeAxis" xlink:href="fhlbsf-20260930.xsd#fhlbsf_HedgedItemTypeAxis"/>
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    <link:label id="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember_019fd3bd-09d5-7870-bd4c-bb4799fa9881_terseLabel_en-US" xlink:label="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. Treasury obligations:</link:label>
    <link:label id="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember_label_en-US" xlink:label="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Than Mortgage Backed Securities [Member]</link:label>
    <link:label id="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember_documentation_en-US" xlink:label="lab_fhlbsf_OtherThanMortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the total of non-mortgage backed securities, which may be issued by federal, state or local government and/or by other non-mortgage related entities.</link:label>
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    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_019fd3bd-0ae3-79af-9dd8-bf83e7f2a4de_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
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    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019fd3bd-0ae3-7d2e-8a15-cf6b51632936_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repurchase of capital stock (Shares)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased and Retired During Period, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
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    <link:label id="lab_us-gaap_PaymentsForFederalHomeLoanBankAdvances_019fd3bd-0ae3-768e-a017-94a60d3d3feb_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForFederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Originated</link:label>
    <link:label id="lab_us-gaap_PaymentsForFederalHomeLoanBankAdvances_label_en-US" xlink:label="lab_us-gaap_PaymentsForFederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for FHLBank Advance, Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForFederalHomeLoanBankAdvances" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForFederalHomeLoanBankAdvances"/>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAfterOneYear_019fd3bd-0ae3-749e-9f2a-3b8fb7510e04_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAfterOneYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustable Rate - Due after 1 year</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAfterOneYear_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAfterOneYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Floating Rate, after Year One</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_019fd3bd-09d5-7095-a8c1-fb17b0eecae1_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 2 years through 3 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree"/>
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    <link:label id="lab_us-gaap_PaymentsForProceedsFromLoansAndLeasesAbstract_019fd3bd-0bbe-782c-811d-3636c889c424_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeasesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans held for portfolio:</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromLoansAndLeasesAbstract_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeasesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases [Abstract]</link:label>
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    <link:label id="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
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    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
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    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019fd3bd-0ae4-7c66-8dd3-2f6892b46853_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loan Delinquency Statistics</link:label>
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    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset_019fd3bd-0ae4-734e-b0d0-40a9b808bcee_terseLabel_en-US" xlink:label="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Asset Fair Value Gross Liability and Right To Reclaim Cash Offset</link:label>
    <link:label id="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset_label_en-US" xlink:label="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset Fair Value Gross Liability and Right To Reclaim Cash Offset</link:label>
    <link:label id="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset_documentation_en-US" xlink:label="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value of asset associated with financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset, and right to receive cash collateral under master netting arrangements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:href="fhlbsf-20260930.xsd#fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:to="lab_fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FixedInterestRateMember_019fd3bd-09d6-7e1e-987f-d161b348efee_terseLabel_en-US" xlink:label="lab_fhlbsf_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Interest Rate</link:label>
    <link:label id="lab_fhlbsf_FixedInterestRateMember_label_en-US" xlink:label="lab_fhlbsf_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Interest Rate [Member]</link:label>
    <link:label id="lab_fhlbsf_FixedInterestRateMember_documentation_en-US" xlink:label="lab_fhlbsf_FixedInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments with a fixed rate of interest.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FixedInterestRateMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FixedInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FixedInterestRateMember" xlink:to="lab_fhlbsf_FixedInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019fd3bd-0ae3-7c04-b6e7-e9adfdc4e119_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income/(loss) to net cash provided by/(used in) operating activities:</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_019fd3bd-0ae3-793b-9556-0e841ab121f0_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments, Offsetting Derivative Assets</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:to="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LossContingenciesByNatureOfContingencyAxis_019fd3bd-0ae3-7fd5-806e-6bd41b1ee938_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss Contingency Nature [Axis]</link:label>
    <link:label id="lab_us-gaap_LossContingenciesByNatureOfContingencyAxis_label_en-US" xlink:label="lab_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingency Nature [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:to="lab_us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019fd3bd-0ae4-72ed-a993-4ad68b0d8018_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flows from Financing Activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfOtherLongTermDebt_019fd3bd-0ae3-7202-97d2-e3c0ee993eff_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherLongTermDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Bonds</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfOtherLongTermDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfOtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Other Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfOtherLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfOtherLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfOtherLongTermDebt" xlink:to="lab_us-gaap_RepaymentsOfOtherLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fd3bd-0ae4-7fc2-9c4d-90c9f4fa9b2f_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019fd3bd-0ae4-7790-8ef7-52691cc5d700_verboseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssets_019fd3bd-0bbe-73c7-be57-2226d036e94b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative assets, net</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_019fd3bd-0bbe-73aa-a911-3d193435f9e9_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total Derivative Assets and Derivative Liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_019fd3bd-0bbe-7a6b-95ef-4fccd2451ab8_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Derivative Assets and Derivative Liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_label_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssets" xlink:to="lab_us-gaap_DerivativeAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual_019fd3bd-0bbe-7c3e-b750-17de961b7b75_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital Ratio, Actual</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Regulatory Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual" xlink:to="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRatioActual" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAbstract_019fd3bd-0ae3-7836-87b0-47ec7638fcdd_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting [Abstract]</link:label>
    <link:label id="lab_us-gaap_OffsettingAbstract_label_en-US" xlink:label="lab_us-gaap_OffsettingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OffsettingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAbstract" xlink:to="lab_us-gaap_OffsettingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_VoluntaryCharitableContribution_019fd3bd-0ae3-78f3-a632-e53c98bcb837_terseLabel_en-US" xlink:label="lab_fhlbsf_VoluntaryCharitableContribution" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Voluntary housing and community investment contributions</link:label>
    <link:label id="lab_fhlbsf_VoluntaryCharitableContribution_label_en-US" xlink:label="lab_fhlbsf_VoluntaryCharitableContribution" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Voluntary Charitable Contribution</link:label>
    <link:label id="lab_fhlbsf_VoluntaryCharitableContribution_documentation_en-US" xlink:label="lab_fhlbsf_VoluntaryCharitableContribution" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The voluntary charitable contribution was made by the Bank to the Quality Jobs Fund, a donor-advised fund established to support quality jobs growth and small business expansion.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_VoluntaryCharitableContribution" xlink:href="fhlbsf-20260930.xsd#fhlbsf_VoluntaryCharitableContribution"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_VoluntaryCharitableContribution" xlink:to="lab_fhlbsf_VoluntaryCharitableContribution" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock_019fd3bd-09d5-7760-9809-d80bc329c9bc_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Deposit Liabilities by Component</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities, Type [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositLiabilitiesTypeTableTextBlock"/>
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    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fd3bd-09d5-71e6-9396-b9bd1a7f146f_verboseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019fd3bd-09d5-7bae-8be6-54ca1c27b375_terseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019fd3bd-09d6-7ab5-a3ea-6940edb39222_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MBS - GSEs</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInInterestPayableNet_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Interest Payable, Net</link:label>
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    <link:label id="lab_us-gaap_FederalHomeLoanBankRiskBasedCapitalActual_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRiskBasedCapitalActual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Risk-Based Capital, Actual</link:label>
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    <link:label id="lab_fhlbsf_InterestIncomeAdvancesMember_label_en-US" xlink:label="lab_fhlbsf_InterestIncomeAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Advances [Member]</link:label>
    <link:label id="lab_fhlbsf_InterestIncomeAdvancesMember_documentation_en-US" xlink:label="lab_fhlbsf_InterestIncomeAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income, Advances</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019fd3bd-0ae3-7874-84a1-5ba53a313eef_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
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    <link:label id="lab_us-gaap_ProvisionForOtherCreditLosses_label_en-US" xlink:label="lab_us-gaap_ProvisionForOtherCreditLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision for Other Credit Losses</link:label>
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    <link:label id="lab_fhlbsf_MandatorilyRedeemableCapitalStockRollForward_label_en-US" xlink:label="lab_fhlbsf_MandatorilyRedeemableCapitalStockRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mandatorily Redeemable Capital Stock [Roll Forward]</link:label>
    <link:label id="lab_fhlbsf_MandatorilyRedeemableCapitalStockRollForward_documentation_en-US" xlink:label="lab_fhlbsf_MandatorilyRedeemableCapitalStockRollForward" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</link:label>
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    <link:label id="lab_us-gaap_DerivativeLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative [Line Items]</link:label>
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    <link:label id="lab_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockValue_label_en-US" xlink:label="lab_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Shares Reclassified to Mandatorily Redeemable Capital Stock, Value</link:label>
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    <link:label id="lab_dei_EntityFileNumber_019fd3bd-09d6-7c36-ad97-ab8a13a72659_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
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    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019fd3bd-09d6-74f4-8b0b-8babe680206a_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value: Due within Year 1</link:label>
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    <link:label id="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedDiscounts_documentation_en-US" xlink:label="lab_fhlbsf_LoansAndLeasesReceivableUnamortizedDiscounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reflects the cumulative amount of discounts from the face amount of loans that are being amortized into income as an adjustment of yield.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_LoansAndLeasesReceivableUnamortizedDiscounts" xlink:href="fhlbsf-20260930.xsd#fhlbsf_LoansAndLeasesReceivableUnamortizedDiscounts"/>
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    <link:label id="lab_fhlbsf_TopTenBorrowersMember_019fd3bd-0bbe-76a6-9f6b-fb674a4f3f16_terseLabel_en-US" xlink:label="lab_fhlbsf_TopTenBorrowersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Top Ten Borrowers</link:label>
    <link:label id="lab_fhlbsf_TopTenBorrowersMember_label_en-US" xlink:label="lab_fhlbsf_TopTenBorrowersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Top Ten Borrowers [Member]</link:label>
    <link:label id="lab_fhlbsf_TopTenBorrowersMember_documentation_en-US" xlink:label="lab_fhlbsf_TopTenBorrowersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Top Ten Borrowers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_TopTenBorrowersMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_TopTenBorrowersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_TopTenBorrowersMember" xlink:to="lab_fhlbsf_TopTenBorrowersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019fd3bd-09d6-78f7-93f3-76ace0965dd6_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Losses: 12 Months or More</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_019fd3bd-09d5-7c3a-8a8e-6493b9a4388a_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income/(Loss)</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss) Note [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:to="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_019fd3bd-0ae3-7c0a-9daa-35c27af7e51e_totalLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total adjustments</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_019fd3bd-0ae3-7415-a15b-3aead78628c9_terseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_019fd3bd-0ae3-7036-b7aa-cc9166ae8183_verboseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCostAndExpenseOperating_019fd3bd-0ae3-70c2-af16-f08ef20f3e7c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCostAndExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating expense</link:label>
    <link:label id="lab_us-gaap_OtherCostAndExpenseOperating_label_en-US" xlink:label="lab_us-gaap_OtherCostAndExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Cost and Expense, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating" xlink:to="lab_us-gaap_OtherCostAndExpenseOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_019fd3bd-09d6-74f9-983e-1f62c751bc6e_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital [Line Items]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_label_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockLineItems" xlink:to="lab_us-gaap_ClassOfStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_019fd3bd-0ae4-7448-8135-1949af21c9ce_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableforsaleSecuritiesMember_019fd3bd-0ae3-7002-b394-f9ec72fe63bc_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableforsaleSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities</link:label>
    <link:label id="lab_us-gaap_AvailableforsaleSecuritiesMember_019fd3bd-0ae3-7bed-a80c-00e7bb4f59ab_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableforsaleSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale Securities</link:label>
    <link:label id="lab_us-gaap_AvailableforsaleSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_AvailableforsaleSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-Sale Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableforsaleSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableforsaleSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableforsaleSecuritiesMember" xlink:to="lab_us-gaap_AvailableforsaleSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_019fd3bd-0ae4-7cf1-8925-c33ffbcb42d5_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Interest Expense:</link:label>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_019fd3bd-0ae3-7ce5-b337-44ac8e9c2117_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:to="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019fd3bd-09d5-7f46-b1d7-f111ebdaa7b4_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost: Due Year 1-5</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntitySmallBusiness_019fd3bd-09d6-7746-8890-b72381da3522_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:label id="lab_dei_EntitySmallBusiness_label_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntitySmallBusiness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntitySmallBusiness" xlink:to="lab_dei_EntitySmallBusiness" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019fd3bd-09d5-7720-a809-da3c4b0f7a43_terseLabel_en-US" xlink:label="lab_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis Adjustment for Hedged Asset, Discontinued Fair Value Hedge, Cumulative Increase (Decrease)</link:label>
    <link:label id="lab_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_label_en-US" xlink:label="lab_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Asset, Discontinued Fair Value Hedge, Cumulative Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease"/>
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    <link:label id="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds_019fd3bd-0ae3-71a8-8a3a-e9b08e3b3087_negatedTerseLabel_en-US" xlink:label="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Fair value option valuation adjustments</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds_label_en-US" xlink:label="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Aggregate Differences, Consolidated Obligation Bonds</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds_documentation_en-US" xlink:label="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This item represents the gain (loss) brought about by the difference between the aggregate fair value and the aggregate unpaid principal balance of consolidated obligation bonds that have contractual principal amounts and for which the fair value option has been elected.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:to="lab_fhlbsf_FairValueOptionAggregateDifferencesConsolidatedObligationBonds" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_019fd3bd-09d5-79ba-8dbd-5900f6d1a8cb_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unamortized discounts</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Unamortized Discount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
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    <link:label id="lab_fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease_documentation_en-US" xlink:label="lab_fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of cumulative increase (decrease) in fair value of hedged asset in fair value hedge, attributable to hedged risk, active as of the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:href="fhlbsf-20260930.xsd#fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:to="lab_fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:type="arc" order="1"/>
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    <link:label id="lab_fhlbsf_ProceedsFromSaleofFederalHomeLoanBankAdvancesAbstractAbstract_documentation_en-US" xlink:label="lab_fhlbsf_ProceedsFromSaleofFederalHomeLoanBankAdvancesAbstractAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">-- None. No documentation exists for this element. --</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ProceedsFromSaleofFederalHomeLoanBankAdvancesAbstractAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ProceedsFromSaleofFederalHomeLoanBankAdvancesAbstractAbstract"/>
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    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
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    <link:label id="lab_dei_DocumentType_019fd3bd-09d6-7063-8a70-6242c68e60a4_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019fd3bd-0bbe-76b8-96c1-bb5d6ebf79d9_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
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    <link:label id="lab_fhlbsf_ClassB1CapitalStock_019fd3bd-0ae3-7231-ba6f-de4279ef126e_terseLabel_en-US" xlink:label="lab_fhlbsf_ClassB1CapitalStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class B-1 Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ClassB1CapitalStock_label_en-US" xlink:label="lab_fhlbsf_ClassB1CapitalStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class B-1 Capital Stock</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransactionMarketMethodDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransactionMarketMethodDomain"/>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_019fd3bd-09d5-7fe6-bbe6-0a344b4e85fc_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net change in pension and postretirement benefits</link:label>
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    <link:label id="lab_dei_LocalPhoneNumber_019fd3bd-0ae3-7740-99dd-1763e6cf1512_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
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    <link:label id="lab_dei_EntityAddressPostalZipCode_019fd3bd-0ae3-72eb-96a9-28df6179e819_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
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    <link:label id="lab_dei_EntityRegistrantName_019fd3bd-0ae4-7f7a-b79c-ab3cb8d7fc76_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019fd3bd-0ae3-7f32-880c-77a2eba36eac_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Losses: Within 12 Months</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
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    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019fd3bd-0ae3-7813-937c-bde336402363_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive income/(loss)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
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    <link:label id="lab_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_019fd3bd-0ae4-7061-8886-3b92d01dff39_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeFederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances</link:label>
    <link:label id="lab_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_label_en-US" xlink:label="lab_us-gaap_InterestIncomeFederalHomeLoanBankAdvances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Federal Home Loan Bank Advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeFederalHomeLoanBankAdvances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances" xlink:to="lab_us-gaap_InterestIncomeFederalHomeLoanBankAdvances" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments_019fd3bd-0ae3-7e66-ad62-478dd2aa6f3b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Over/(Under) Principal Balance, CO Bonds</link:label>
    <link:label id="lab_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments_label_en-US" xlink:label="lab_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Aggregate Differences, Long-Term Debt Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments" xlink:to="lab_us-gaap_FairValueOptionAggregateDifferencesLongTermDebtInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019fd3bd-09d5-7385-8a89-ed1ef2201b10_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income/(Loss) Before Assessment</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
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    <link:label id="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain_019fd3bd-09d5-7df9-a396-715bc72743b1_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Domain]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateLoanTypeDomain"/>
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    <link:label id="lab_us-gaap_CommitmentsAndContingencies_019fd3bd-09d5-7cef-a9b4-f868eb0f1597_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies (Note 12)</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingencies" xlink:to="lab_us-gaap_CommitmentsAndContingencies" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_019fd3bd-09d6-706d-b7b2-6e1136e6160c_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption, Period [Domain]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption, Period [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:to="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_019fd3bd-0bbe-7285-8198-1d1d19523817_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities purchased under agreements to resell</link:label>
    <link:label id="lab_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Payments for) Securities Purchased under Agreements to Resell</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForSecuritiesPurchasedUnderAgreementsToResell"/>
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    <link:label id="lab_srt_CounterpartyNameAxis_019fd3bd-0ae3-781a-8586-a6b4993e3e16_terseLabel_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name</link:label>
    <link:label id="lab_srt_CounterpartyNameAxis_label_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CounterpartyNameAxis"/>
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    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019fd3bd-09d5-73c3-9db7-66edc4b9606f_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities and Capital</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease_019fd3bd-0ae3-77eb-bee4-2cd0f7321047_terseLabel_en-US" xlink:label="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis Adjustment for Active Fair Value Hedged Liability Cumulative Increase Decrease</link:label>
    <link:label id="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease_label_en-US" xlink:label="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Liability Active Fair Value Hedge Cumulative Increase Decrease</link:label>
    <link:label id="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease_documentation_en-US" xlink:label="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of cumulative increase (decrease) in fair value of hedged liability in fair value hedge, attributable to hedged risk, active as of the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:href="fhlbsf-20260930.xsd#fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:to="lab_fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_019fd3bd-09d5-743f-839c-89bf232ecdb9_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Within 1 year</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, in Next Rolling 12 Months</link:label>
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    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019fd3bd-0ae3-7175-923b-4424543b4422_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
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    <link:label id="lab_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue_019fd3bd-09d6-7826-8a31-96824af2ff5b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate fair value of uncleared derivative instruments with credit risk-related contingent features in a net derivative liability position (before cash collateral and related accrued interest)</link:label>
    <link:label id="lab_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue_label_en-US" xlink:label="lab_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Net Liability Position, Aggregate Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNetLiabilityPositionAggregateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue" xlink:to="lab_us-gaap_DerivativeNetLiabilityPositionAggregateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_019fd3bd-0ae3-7fd3-8c47-0a7477c3dafb_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_019fd3bd-0ae4-7599-9e89-d402adfd34b2_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level 3</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_019fd3bd-0ae3-721f-80fb-33e07a817549_terseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplemental Disclosures:</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_019fd3bd-09d6-7d80-b580-f7d2227e7dd6_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_019fd3bd-09d5-7df1-a12d-9b461e9f8165_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">30 to 59 Days Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 30 to 59 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_019fd3bd-0ae4-7da9-a30f-fa0228f3dc47_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019fd3bd-0bbe-7b69-a2ad-975374654dbc_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cumulative adjustments table</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_019fd3bd-09d6-7577-8aa0-167c3da8a3df_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks</link:label>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_label_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Due from Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndDueFromBanks" xlink:to="lab_us-gaap_CashAndDueFromBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LegalEntityAxis_019fd3bd-09d5-7233-8a56-5bc6ba418472_terseLabel_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:label id="lab_dei_LegalEntityAxis_label_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_019fd3bd-0ae4-7305-8bc8-caf67f47608e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Not Past Due</link:label>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Not Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:to="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedLiabilityFairValueHedge_019fd3bd-0ae4-73c6-93d4-7e7b0d276f48_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost of Hedged Liability, Fair Value Hedge</link:label>
    <link:label id="lab_us-gaap_HedgedLiabilityFairValueHedge_label_en-US" xlink:label="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Liability, Fair Value Hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgedLiabilityFairValueHedge" xlink:to="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_AdvancesOutstandingAbstract_019fd3bd-0ae3-7092-8b0d-eb22beee0b11_terseLabel_en-US" xlink:label="lab_fhlbsf_AdvancesOutstandingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances Outstanding</link:label>
    <link:label id="lab_fhlbsf_AdvancesOutstandingAbstract_label_en-US" xlink:label="lab_fhlbsf_AdvancesOutstandingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advances Outstanding [Abstract]</link:label>
    <link:label id="lab_fhlbsf_AdvancesOutstandingAbstract_documentation_en-US" xlink:label="lab_fhlbsf_AdvancesOutstandingAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Advances Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_AdvancesOutstandingAbstract" xlink:href="fhlbsf-20260930.xsd#fhlbsf_AdvancesOutstandingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_AdvancesOutstandingAbstract" xlink:to="lab_fhlbsf_AdvancesOutstandingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_StateHousingAgencyNotesMember_019fd3bd-09d5-7385-ad14-a213aef2d968_terseLabel_en-US" xlink:label="lab_fhlbsf_StateHousingAgencyNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State housing agency obligations:</link:label>
    <link:label id="lab_fhlbsf_StateHousingAgencyNotesMember_label_en-US" xlink:label="lab_fhlbsf_StateHousingAgencyNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">State Housing Agency Notes [Member]</link:label>
    <link:label id="lab_fhlbsf_StateHousingAgencyNotesMember_documentation_en-US" xlink:label="lab_fhlbsf_StateHousingAgencyNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">State Housing Agency Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_StateHousingAgencyNotesMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_StateHousingAgencyNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_StateHousingAgencyNotesMember" xlink:to="lab_fhlbsf_StateHousingAgencyNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value_019fd3bd-0bbe-704b-907c-8f7f81e0b649_terseLabel_en-US" xlink:label="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers of shares between Class B-1 and Class B-2</link:label>
    <link:label id="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value_label_en-US" xlink:label="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Transfers Of Shares Between Class B-1 And Class B-2, Value</link:label>
    <link:label id="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value_documentation_en-US" xlink:label="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Transfers Of Shares Between Class B-1 And Class B-2, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:href="fhlbsf-20260930.xsd#fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:to="lab_fhlbsf_NetTransfersOfSharesBetweenClassB1AndClassB2Value" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_019fd3bd-0ae3-72ca-ae0b-b7872f80bcb3_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Income/(Loss):</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeAbstract" xlink:to="lab_us-gaap_NoninterestIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fd3bd-0ae3-7cff-93cd-d484eaa33d0f_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks at beginning of the period</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019fd3bd-0ae3-7d17-9e1c-1a466804aff0_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and due from banks at end of the period</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate_019fd3bd-0ae3-7f87-ac36-74eb4fffc95e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total par value</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_019fd3bd-09d6-74fe-a352-512c00854978_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
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    <link:label id="lab_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember_label_en-US" xlink:label="lab_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives Not Designated As Hedging Before Price Alignment [Member]</link:label>
    <link:label id="lab_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember_documentation_en-US" xlink:label="lab_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivatives Not Designated As Hedging Before Price Alignment</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" xlink:to="lab_fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_019fd3bd-09d5-7229-acb7-376025b06d42_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Expense:</link:label>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating and Nonoperating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseAbstract" xlink:to="lab_us-gaap_InterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_019fd3bd-0ae3-7d06-a40c-245674f7834c_terseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation and benefits</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_label_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendsPayableCurrent_019fd3bd-0ae3-7ec1-8ced-a7c370a4fbf1_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendsPayableCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest and Dividends Payable, Current</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendsPayableCurrent_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendsPayableCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividends Payable, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendsPayableCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendsPayableCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendsPayableCurrent" xlink:to="lab_us-gaap_InterestAndDividendsPayableCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_NameOfMajorCustomerDomain_019fd3bd-0bbe-7c27-99d0-52d2c913cda1_terseLabel_en-US" xlink:label="lab_srt_NameOfMajorCustomerDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer [Domain]</link:label>
    <link:label id="lab_srt_NameOfMajorCustomerDomain_label_en-US" xlink:label="lab_srt_NameOfMajorCustomerDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_NameOfMajorCustomerDomain" xlink:to="lab_srt_NameOfMajorCustomerDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_019fd3bd-0ae3-792a-aa4f-9f48f6928a80_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019fd3bd-0ae4-78a4-a086-b256789d1c9b_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost: Due Year 5-10</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_019fd3bd-0ae3-732b-a2d1-c8b80a2e4193_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments in Statement of Financial Position, Fair Value</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
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    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_019fd3bd-09d5-7a7f-9c37-4631fde2b986_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_019fd3bd-09d5-7d56-aa93-a800cbe983bd_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payments for repurchase of capital stock</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
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    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_019fd3bd-0ae4-7445-ba28-8f7f32ef5f73_verboseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">MBS</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Mortgage-Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShorttermDebtFairValue_019fd3bd-0ae4-79bd-9bcc-523fd50f5b55_terseLabel_en-US" xlink:label="lab_us-gaap_ShorttermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount notes</link:label>
    <link:label id="lab_us-gaap_ShorttermDebtFairValue_label_en-US" xlink:label="lab_us-gaap_ShorttermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShorttermDebtFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShorttermDebtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShorttermDebtFairValue" xlink:to="lab_us-gaap_ShorttermDebtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_019fd3bd-0ae3-7a07-a91f-4f0a30162577_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
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    <link:label id="lab_us-gaap_InterestRateContractMember_019fd3bd-09d5-7f40-ae86-a0e0fcc3fb2d_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Contract</link:label>
    <link:label id="lab_us-gaap_InterestRateContractMember_label_en-US" xlink:label="lab_us-gaap_InterestRateContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Contract [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateContractMember" xlink:to="lab_us-gaap_InterestRateContractMember" xlink:type="arc" order="1"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease"/>
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    <link:label id="lab_us-gaap_AffordableHousingProgramAssessments_019fd3bd-0ae3-732b-ba50-054fcde5bf8c_verboseLabel_en-US" xlink:label="lab_us-gaap_AffordableHousingProgramAssessments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">AHP assessment</link:label>
    <link:label id="lab_us-gaap_AffordableHousingProgramAssessments_label_en-US" xlink:label="lab_us-gaap_AffordableHousingProgramAssessments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Affordable Housing Program Obligation, Assessment Expense</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_TransactionwithMemberOfficerorDirectorMember" xlink:to="lab_fhlbsf_TransactionwithMemberOfficerorDirectorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShortTermDebtTextBlock_019fd3bd-0ae4-7c63-b11f-5997a9d46f71_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Short-term Debt</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShortTermDebtTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Short-Term Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfShortTermDebtTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:to="lab_us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_ClassBCapitalStock_019fd3bd-0ae3-7ba1-8e4e-acee767ba460_terseLabel_en-US" xlink:label="lab_fhlbsf_ClassBCapitalStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class B Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ClassBCapitalStock_label_en-US" xlink:label="lab_fhlbsf_ClassBCapitalStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class B Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ClassBCapitalStock_documentation_en-US" xlink:label="lab_fhlbsf_ClassBCapitalStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class B Capital Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ClassBCapitalStock" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ClassBCapitalStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ClassBCapitalStock" xlink:to="lab_fhlbsf_ClassBCapitalStock" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_ConsolidatedObligationsBondsMember_019fd3bd-09d5-7461-96d5-dee19b3ada2a_terseLabel_en-US" xlink:label="lab_fhlbsf_ConsolidatedObligationsBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Obligations, Bonds</link:label>
    <link:label id="lab_fhlbsf_ConsolidatedObligationsBondsMember_019fd3bd-09d5-76b7-b4e6-d6d65d6e0770_verboseLabel_en-US" xlink:label="lab_fhlbsf_ConsolidatedObligationsBondsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Commitments to issue consolidated obligation bonds, par</link:label>
    <link:label id="lab_fhlbsf_ConsolidatedObligationsBondsMember_label_en-US" xlink:label="lab_fhlbsf_ConsolidatedObligationsBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Obligations, Bonds [Member]</link:label>
    <link:label id="lab_fhlbsf_ConsolidatedObligationsBondsMember_documentation_en-US" xlink:label="lab_fhlbsf_ConsolidatedObligationsBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of joint and several obligations consisting of discount notes issued by Federal Home Loan Banks (FHLBanks).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ConsolidatedObligationsBondsMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ConsolidatedObligationsBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ConsolidatedObligationsBondsMember" xlink:to="lab_fhlbsf_ConsolidatedObligationsBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive_019fd3bd-0ae3-7108-ac4e-d4093a92abc1_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 5 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, after Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateAfterRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_019fd3bd-0ae3-7939-88dd-8c7802c9cce7_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:to="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockMember_019fd3bd-09d5-7992-9e65-9eaa6de9202f_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019fd3bd-09d5-7af7-972a-198a3124a8ee_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value of AFS Securities</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_019fd3bd-09d5-76e3-9395-1399a5a72d7e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_019fd3bd-0ae3-7c7e-afa3-baa6462148f0_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_019fd3bd-09d5-7752-99e7-e7f1860e7696_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total amount of unrealized gain/(loss) for the period included in AOCI relating to assets held at the end of the period</link:label>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_label_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:to="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure_019fd3bd-09d5-78d7-829d-38d687d88b81_terseLabel_en-US" xlink:label="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits</link:label>
    <link:label id="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure_label_en-US" xlink:label="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-bearing Deposits, Fair Value Disclosure</link:label>
    <link:label id="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure_documentation_en-US" xlink:label="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value disclosure for banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:href="fhlbsf-20260930.xsd#fhlbsf_InterestbearingDepositsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:to="lab_fhlbsf_InterestbearingDepositsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember_019fd3bd-09d5-71c9-9297-37568c6fe98c_verboseLabel_en-US" xlink:label="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument, Economic Hedge</link:label>
    <link:label id="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember_019fd3bd-09d5-73ee-abda-c57c08730477_terseLabel_en-US" xlink:label="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument, Economic Hedge</link:label>
    <link:label id="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember_label_en-US" xlink:label="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument, Economic Hedge [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:to="lab_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock_019fd3bd-0ae3-78c7-b1a8-b6241adbaf93_terseLabel_en-US" xlink:label="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Commitments</link:label>
    <link:label id="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock_label_en-US" xlink:label="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Commitments [Table Text Block]</link:label>
    <link:label id="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock_documentation_en-US" xlink:label="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of short-term or long-term contractual arrangements and obligations that, in accordance with GAAP, are not recognized on the balance sheet or may be recorded on the balance sheet in amounts that are different from the full contract or notional amount of the transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:href="fhlbsf-20260930.xsd#fhlbsf_OffBalanceSheetCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:to="lab_fhlbsf_OffBalanceSheetCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt_019fd3bd-09d5-7d3e-a7c6-8798eced5c3e_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bonds</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Other Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_ExcessCapitalToAssets_019fd3bd-0ae3-78cf-a70d-bbb0bff3093e_terseLabel_en-US" xlink:label="lab_fhlbsf_ExcessCapitalToAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess Capital to Assets</link:label>
    <link:label id="lab_fhlbsf_ExcessCapitalToAssets_label_en-US" xlink:label="lab_fhlbsf_ExcessCapitalToAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Excess Capital to Assets</link:label>
    <link:label id="lab_fhlbsf_ExcessCapitalToAssets_documentation_en-US" xlink:label="lab_fhlbsf_ExcessCapitalToAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Excess Capital to Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ExcessCapitalToAssets" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ExcessCapitalToAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ExcessCapitalToAssets" xlink:to="lab_fhlbsf_ExcessCapitalToAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtWeightedAverageInterestRate_019fd3bd-0ae3-71cc-b869-a6ec36c70bcc_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average interest rate</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtWeightedAverageInterestRate_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Weighted Average Interest Rate, at Point in Time</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:to="lab_us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_CommonClassB1Member_019fd3bd-0bbe-764a-a08e-706b524424fe_terseLabel_en-US" xlink:label="lab_fhlbsf_CommonClassB1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class B-1 Putable</link:label>
    <link:label id="lab_fhlbsf_CommonClassB1Member_label_en-US" xlink:label="lab_fhlbsf_CommonClassB1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class B-1 [Member]</link:label>
    <link:label id="lab_fhlbsf_CommonClassB1Member_documentation_en-US" xlink:label="lab_fhlbsf_CommonClassB1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common Class B-1</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
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    <link:label id="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue_019fd3bd-0ae3-7ca7-9850-a373149fa3d3_terseLabel_en-US" xlink:label="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Already Posted, Non-Cash, Aggregate Fair Value</link:label>
    <link:label id="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue_label_en-US" xlink:label="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Already Posted, Non-Cash, Aggregate Fair Value</link:label>
    <link:label id="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue_documentation_en-US" xlink:label="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Collateral Already Posted, Non-Cash, Aggregate Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:href="fhlbsf-20260930.xsd#fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:to="lab_fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_StepupInterestRateMember_019fd3bd-0ae4-7c7a-8a2c-6baacd7bb597_terseLabel_en-US" xlink:label="lab_fhlbsf_StepupInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Step-up Interest Rate [Member]</link:label>
    <link:label id="lab_fhlbsf_StepupInterestRateMember_label_en-US" xlink:label="lab_fhlbsf_StepupInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Step-up Interest Rate [Member]</link:label>
    <link:label id="lab_fhlbsf_StepupInterestRateMember_documentation_en-US" xlink:label="lab_fhlbsf_StepupInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial instruments with increasing fixed rates for specified intervals over the life of the instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_StepupInterestRateMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_StepupInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_StepupInterestRateMember" xlink:to="lab_fhlbsf_StepupInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_CommonClassB2Member_019fd3bd-0ae4-7a61-ab99-196770db0c1f_terseLabel_en-US" xlink:label="lab_fhlbsf_CommonClassB2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class B-2 Putable</link:label>
    <link:label id="lab_fhlbsf_CommonClassB2Member_label_en-US" xlink:label="lab_fhlbsf_CommonClassB2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class B-2 [Member]</link:label>
    <link:label id="lab_fhlbsf_CommonClassB2Member_documentation_en-US" xlink:label="lab_fhlbsf_CommonClassB2Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Class Class B-2 Putable Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_CommonClassB2Member" xlink:href="fhlbsf-20260930.xsd#fhlbsf_CommonClassB2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_CommonClassB2Member" xlink:to="lab_fhlbsf_CommonClassB2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_019fd3bd-0ae3-7a07-9e76-da57a66248e9_terseLabel_en-US" xlink:label="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)</link:label>
    <link:label id="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_label_en-US" xlink:label="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:to="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired_019fd3bd-0ae3-7db7-a4e0-c5aec8d7250f_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital, Required</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Regulatory Capital, Required</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired" xlink:to="lab_us-gaap_FederalHomeLoanBankRegulatoryCapitalRequired" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock_019fd3bd-09d5-71b1-8333-22a62a0c9919_terseLabel_en-US" xlink:label="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Mandatorily Redeemable Capital Stock</link:label>
    <link:label id="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock_label_en-US" xlink:label="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Mandatorily Redeemable Capital Stock [Table Text Block]</link:label>
    <link:label id="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock_documentation_en-US" xlink:label="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the changes in the balance of mandatorily redeemable capital stock.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:href="fhlbsf-20260930.xsd#fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:to="lab_fhlbsf_ScheduleOfMandatorilyRedeemableCapitalStockTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_019fd3bd-09d5-7d49-8470-42a5463d9e33_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_019fd3bd-09d5-797f-bbf6-b63998900e2d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_us-gaap_DerivativesFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding_019fd3bd-0ae3-7cb4-a640-2180adca9709_terseLabel_en-US" xlink:label="lab_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Obligation with Joint and Several Liability Arrangement, Amount Outstanding</link:label>
    <link:label id="lab_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding_label_en-US" xlink:label="lab_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Obligation with Joint and Several Liability Arrangement, Amount Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding" xlink:to="lab_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar_019fd3bd-0ae3-7e8d-ad1a-009d3f5b0530_totalLabel_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total par value</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar_019fd3bd-0ae3-7cd2-b4f0-d1ebfac8cb3f_terseLabel_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total bonds, par value</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar_label_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Consolidated Obligations, Bonds, Par</link:label>
    <link:label id="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar_documentation_en-US" xlink:label="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Par value of the amount of joint and several obligations consisting of bonds issued by Federal Home Loan Banks (FHLBanks).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:href="fhlbsf-20260930.xsd#fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:to="lab_fhlbsf_FederalHomeLoanBankConsolidatedObligationsBondsPar" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember_019fd3bd-0ae3-7ed0-918e-7bd53e7e5169_terseLabel_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Rate Long Term mortgage loans</link:label>
    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember_label_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable With Fixed Rates Of Interest Long Term [Member]</link:label>
    <link:label id="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember_documentation_en-US" xlink:label="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">A mortgage loan issued by a bank with a fixed rate of interest and a repayment period of more than 15 years.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:href="fhlbsf-20260930.xsd#fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:to="lab_fhlbsf_LoansReceivableWithFixedRatesOfInterestLongTermMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankLeverageRatioActual1_019fd3bd-0ae3-75c8-8921-e2680d24a09e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankLeverageRatioActual1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage Ratio, Actual</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankLeverageRatioActual1_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankLeverageRatioActual1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Leverage Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankLeverageRatioActual1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankLeverageRatioActual1"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption_019fd3bd-0ae3-7a55-91b2-b82a815c4e22_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Change in net fair value adjustment on advances and consolidated obligation bonds held under the fair value option</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Fair Value Adjustments on Other Assets (Liabilities) Carried at Fair Value under Fair Value Option</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInFairValueAdjustmentsOnAssetsAndLiabilitiesCarriedAtFairValueUnderFairValueOption"/>
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    <link:label id="lab_us-gaap_HedgingDesignationDomain_019fd3bd-0ae4-774d-9e1e-35d5f9484181_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationDomain_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationDomain" xlink:to="lab_us-gaap_HedgingDesignationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo_019fd3bd-0bbe-7dd6-9e22-75bbcadab0b8_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After 1 year through 2 years</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, in Rolling Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInRollingYearTwo"/>
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    <link:label id="lab_us-gaap_IncreaseDecreaseInLoansFromOtherFederalHomeLoanBanks_019fd3bd-0ae3-7b34-9afd-a5463b6a716d_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInLoansFromOtherFederalHomeLoanBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net change in borrowings from other FHLBanks</link:label>
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    <link:label id="lab_us-gaap_ClassOfStockDomain_019fd3bd-09d5-77b1-8cfa-f9389edfc4c4_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances_019fd3bd-0ae3-7066-88be-a7f132453a31_terseLabel_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Principal Balance, Advances</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances_label_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Principal Balance, Advances</link:label>
    <link:label id="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances_documentation_en-US" xlink:label="lab_fhlbsf_FairValueOptionPrincipalBalanceAdvances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the outstanding amount of the unpaid principal balance of Federal Home Loan Bank Advances for which the fair value option has been elected.</link:label>
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    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_019fd3bd-0ae4-7356-b02a-4225a838dac8_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPaidNet_019fd3bd-0bbe-75fe-a367-46f2e5c02e4a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest paid</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_019fd3bd-0ae4-7f12-b700-89f6240fa3a4_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_019fd3bd-0ae4-7394-908a-43413c2e5e63_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationAxis" xlink:to="lab_us-gaap_HedgingDesignationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_019fd3bd-0ae3-7e36-9b2b-33afd81f05a7_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">60 to 89 Days Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 60 to 89 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
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    <link:label id="lab_us-gaap_InformationByCategoryOfDebtSecurityAxis_019fd3bd-0bbe-74b4-aa0f-b41f484e84fd_terseLabel_en-US" xlink:label="lab_us-gaap_InformationByCategoryOfDebtSecurityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Security Category [Axis]</link:label>
    <link:label id="lab_us-gaap_InformationByCategoryOfDebtSecurityAxis_label_en-US" xlink:label="lab_us-gaap_InformationByCategoryOfDebtSecurityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Security Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationByCategoryOfDebtSecurityAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InformationByCategoryOfDebtSecurityAxis"/>
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    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_019fd3bd-09d5-738e-90ec-c636bbe21f55_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total fair value measurements &#8211; Assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosure" xlink:to="lab_us-gaap_AssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_019fd3bd-0ae3-720b-bd9e-c8989609220b_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">AFS securities</link:label>
    <link:label id="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_label_en-US" xlink:label="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Debt Securities, Available-for-Sale, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:to="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019fd3bd-09d5-7dbc-9c3d-30ba2980074c_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Measurements, Fair Value Hierarchy [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
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    <link:label id="lab_us-gaap_OtherNoncashIncomeExpense_019fd3bd-09d5-71fe-bab1-d15999513cdb_terseLabel_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other adjustments, net</link:label>
    <link:label id="lab_us-gaap_OtherNoncashIncomeExpense_label_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Noncash Income (Expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNoncashIncomeExpense" xlink:to="lab_us-gaap_OtherNoncashIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_019fd3bd-09d5-73d6-a838-c8f73025b24b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019fd3bd-09d5-7de2-8bc3-26140a1812ee_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities purchased under agreements to resell</link:label>
    <link:label id="lab_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_label_en-US" xlink:label="lab_us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities Purchased under Agreements to Resell</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:to="lab_us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFilerCategory_019fd3bd-0ae3-700b-9852-611e0b471ab2_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
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    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019fd3bd-09d5-79f7-b9c3-1758a54a5f59_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair&#160;Value: Total</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
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    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019fd3bd-09d5-7912-a019-a44d763f49ea_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Netting adjustments and cash collateral</link:label>
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    <link:label id="lab_us-gaap_USTreasuryNotesSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_USTreasuryNotesSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Treasury Notes Securities [Member]</link:label>
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