ZIP 94038 vs ZIP 94037

This side-by-side compares ZIP 94038 (Moss Beach, CA) and ZIP 94037 (Montara, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 94038 has a population of 3,040 at 745 people per square mile, while ZIP 94037 has 2,913 at 195 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 94038 reports a median household income of $99,680 against $233,826 in ZIP 94037, with per-capita income of $56,009 vs $90,748. The share of adults holding a bachelor's degree or higher is 47.1% in 94038 and 66.9% in 94037. Poverty rate reads 9.1% vs 3.4%, and unemployment 0.2% vs 9.5% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,123,100 in 94038 versus $1,580,700 in 94037, with median rent of — and $3,032 per month respectively. Homeownership rate is 99.0% vs 78.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.