Is Balboa Terrace in San Francisco walkable? Can I walk to everything or do I need a car?

Balboa Terrace is not as walkable as some neighborhoods in San Francisco (like North Beach or Cow Hollow) but you could probably get by with out a car. It is a little hilly but there are sidewalks and grocery stores aren't too far off. If you are healthy and can handle a good walk, you should have not problem getting what you need and using public transporatation for the rest.