San Luis Obispo, CA · standard

ZIP Code 93401

San Luis Obispo County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

28,033
155/sq mi
$96,824
Median income
$973,000
Median home value
55.9%
Bachelor's or higher

The verdict

San Luis Obispo pairs an upper-quartile household income with top-decile home values, in a rural, mixed-tenure area.

Top 21%
household income, US ZIPs
Top 3%
home value, US ZIPs
155
people per sq mi
48%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 93401 against every reporting US ZIP.

ZIP code 93401 is classified by USPS as a standard delivery area and covers roughly 181.1 square miles in San Luis Obispo, San Luis Obispo County, California. The area is home to 28,033 residents, producing a population density of 155 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 93401 against California and the nation.

On the economic side, the median household income for ZIP 93401 sits at $96,824 (5% below the California average), while per-capita income is $62,643. The poverty rate stands at 15.4% and the unemployment rate at 4.1%. On housing, the median home value is $973,000 (26% above the state average) with median rent at $1,912 per month, and 47.9% of occupied units are owner-occupied, a direct signal of whether 93401 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 55.9% of adults hold a bachelor's degree or higher, the median age is 37.1, and the average commute is 17 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Luis Obispo County, so you can benchmark 93401 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 93401

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 93401.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 93401, San Luis Obispo, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

28,033

Population

181.1

Area (sq mi)

155

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 93401?

37.1

Median Age

48.9%

Male

51.1%

Female

9.1%

Foreign-Born

White 74.8%
African American 1.6%
Asian 4.3%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 13.6%
Hispanic or Latino 18.5%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$96,824

Median Household Income

-5% vs state

$62,643

Per Capita Income

15.4%

Poverty Rate

4.1%

Unemployment Rate

17.3 min

Mean Commute Time

How ZIP 93401 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$96,824 Top 21% higher than 79% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 68.6%
Bachelor's Degree or Higher 55.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

14,459

Total Housing Units

13,522

Occupied Units

937

Vacant Units

2.10

Avg Household Size

Occupancy Type

Owner 47.9%
Renter 52.1%

$973,000

Median Home Value

+26% vs state

$1,912

Median Rent

1979

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.6%

YoY Change (2024)

316

HPI Index (2000 = 100)

+216%

Total Change Since 2000

Home values in ZIP 93401 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +216% cumulative appreciation.

Year Annual Change HPI Index
2020 -0.7% 228
2021 +7.7% 246
2022 +8.2% 266
2023 +14.5% 305
2024 +3.6% 316

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 2,161 business establishments in ZIP 93401, employing approximately 31,306 people with a combined annual payroll of $2,356,340,000.

2,161

Businesses

31,306

Employees

$2.4B

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 368 17.0%
Professional, scientific, and technical services 363 16.8%
Retail trade 233 10.8%
Accommodation and food services 200 9.3%
Other services (except public administration) 159 7.4%
Construction 136 6.3%
Real estate and rental and leasing 134 6.2%
Finance and insurance 114 5.3%
Manufacturing 110 5.1%
Administrative and support and waste management and remediation services 91 4.2%
Wholesale trade 78 3.6%
Information 54 2.5%
Arts, entertainment, and recreation 33 1.5%
Transportation and warehousing 32 1.5%
Educational services 31 1.4%
Management of companies and enterprises 13 0.6%
Agriculture, forestry, fishing and hunting 6 0.3%
Utilities 6 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 93401 vs 93410 →

ZIP 93401 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 93401 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 93401 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 93401 ranks #2 of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
93410 San Luis Obispo, CA 0 4.8 mi
93449 Pismo Beach, CA 7,657 6.1 mi
93433 Grover Beach, CA 13,162 8.4 mi
93405 San Luis Obispo, CA 35,440 7.3 mi
93424 Avila Beach, CA 1,261 7.4 mi

More ZIP Codes in San Luis Obispo County

Frequently Asked Questions

What county is ZIP code 93401 in?
ZIP code 93401 (San Luis Obispo) is located in San Luis Obispo County, California. San Luis Obispo County contains multiple ZIP codes, see the full list at /counties/san-luis-obispo-ca.
What is the population of ZIP code 93401?
ZIP code 93401 in San Luis Obispo, CA has a population of 28,033 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 93401?
The median household income in ZIP 93401 is $96,824, which is 27% above the national average of $76,288.
What is the average home value in ZIP 93401?
The median home value in ZIP 93401 is $973,000, which is 250% above the national average of $278,155.
What is the demographic makeup of ZIP 93401?
The largest racial group in ZIP 93401 is White at 74.8%. Hispanic or Latino residents make up 18.5% of the population.
How many businesses are in ZIP code 93401?
ZIP code 93401 has 2,161 business establishments employing approximately 31,306 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 93401?
The top industries by establishment count in ZIP 93401 are: Health care and social assistance (368), Professional, scientific, and technical services (363), Retail trade (233). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 93401?
According to the FHFA House Price Index, home values in ZIP 93401 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 216%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 93401?
In ZIP code 93401, 68.6% of residents aged 25+ have a high school diploma or higher, and 55.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 93401?
The mean commute time for workers in ZIP code 93401 is 17.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 93401?
In ZIP code 93401, approximately 47.9% of occupied housing units are owner-occupied and 52.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 93401?
The poverty rate in ZIP code 93401 is 15.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for San Luis Obispo, CA

Verify and explore additional data for this area using these official government sources.