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.
- Health care and social assistance
Health care and social assistance
368 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
363 establishments
- Retail trade
Retail trade
233 establishments
- Accommodation and food services
Accommodation and food services
200 establishments
- Other services (except public administration)
Other services (except public administration)
159 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, 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
Who lives in ZIP 93401?
37.1
Median Age
48.9%
Male
51.1%
Female
9.1%
Foreign-Born
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
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?
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
$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)
How have home values changed over time?
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.
- 93405
San Luis Obispo (93405)
35,440 residents
- 93401
San Luis Obispo (93401)
28,033 residents
- 93433 13,162
Grover Beach (93433)
13,162 residents
- 93449 7,657
Pismo Beach (93449)
7,657 residents
- 93424 1,261
Avila Beach (93424)
1,261 residents
What this shows Among its immediate neighbors, ZIP 93401 ranks #2 by population — useful context the national average alone can't give.
ZIP 93401 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 93449
Pismo Beach (93449)
$118,072 median income
- 93401
San Luis Obispo (93401)
$96,824 median income
- 93433
Grover Beach (93433)
$86,458 median income
- 93405
San Luis Obispo (93405)
$60,399 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.
More ZIP Codes in San Luis Obispo County
Related Areas
Frequently Asked Questions
What county is ZIP code 93401 in? ▼
What is the population of ZIP code 93401? ▼
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What is the average home value in ZIP 93401? ▼
What is the demographic makeup of ZIP 93401? ▼
How many businesses are in ZIP code 93401? ▼
What are the main industries in ZIP code 93401? ▼
How have home values changed in ZIP code 93401? ▼
What is the education level in ZIP code 93401? ▼
What is the average commute time in ZIP 93401? ▼
What percentage of residents own vs. rent in ZIP 93401? ▼
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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.
Read our methodology to see how this data is sourced, computed, and verified.