San Luis Obispo, CA · standard
ZIP Code 93405
San Luis Obispo County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 35,440
- 156/sq mi
- $60,399
- Median income
- $949,700
- Median home value
- 54.8%
- Bachelor's or higher
National ZIP placement
San Luis Obispo pairs a below-median household income with top-decile home values, in a rural, renter-heavy area.
- 30th pct
- household income, US ZIPs
- Top 3%
- home value, US ZIPs
- 156
- people per sq mi
- 35%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 93405 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 93405 (San Luis Obispo, CA) rose +3.6% from 2023 to 2024. The all-transactions index moved from 322.9 in 2023 to 334.6 in 2024 (2000 = 100).
ZIP code 93405 is a densely settled ZIP (a standard USPS delivery area) in San Luis Obispo, San Luis Obispo County, California, with 35,440 residents across 227.3 square miles, a density of 156 people per square mile, in the Los Angeles time zone.
ZIP 93405 reports a modest median household income of $60,399 (41% below the average California ZIP), while per-capita income is $35,940. The poverty rate is 43.5%, so the area-level income figures should not be treated as typical household experience. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $949,700 (23% above the average California ZIP), with only 34.7% owner-occupied homes and median rent of $2,020.
This is a highly-educated ZIP: 54.8% of adults hold a bachelor's degree or higher, the median age is 22.6, and the average commute is 15 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in San Luis Obispo County, so 93405 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 93405
Top 5 sectors by establishment count in San Luis Obispo, CA
Which industries have the most business establishments in ZIP 93405.
- Health care and social assistance
Health care and social assistance
94 establishments
- Accommodation and food services
Accommodation and food services
81 establishments
- Retail trade
Retail trade
72 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
50 establishments
- Other services (except public administration) 29
Other services (except public administration)
29 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 93405, San Luis Obispo, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
35,440
Population
227.3
Area (sq mi)
156
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 93405?
22.6
Median Age
50.4%
Male
49.6%
Female
6.9%
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?
$60,399
Median Household Income
-41% vs state ZIP avg
$35,940
Per Capita Income
43.5%
Poverty Rate
9.8%
Unemployment Rate
14.6 min
Mean Commute Time
How ZIP 93405 ranks nationally
San Luis Obispo, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$60,399 30th percentile higher than 30% 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?
Housing stock: occupied vs vacant
9,858housing units
9,858
Total Housing Units
8,883
Occupied Units
975
Vacant Units
2.65
Avg Household Size
Occupancy Type
$949,700
Median Home Value
+23% vs state ZIP avg
$2,020
Median Rent
1976
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)
335
HPI Index (2000 = 100)
+235%
Total Change Since 2000
Home values in ZIP 93405 have increased 3.6% over the past year (2024). Since 2000, this ZIP has seen +235% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.8% | 241 |
| 2021 | +5.6% | 254 |
| 2022 | +18.3% | 301 |
| 2023 | +7.3% | 323 |
| 2024 | +3.6% | 335 |
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 457 business establishments in ZIP 93405, employing approximately 6,997 people with a combined annual payroll of $300,848,000.
457
Businesses
6,997
Employees
$300.8M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 94 | 20.6% |
| Accommodation and food services | 81 | 17.7% |
| Retail trade | 72 | 15.8% |
| Professional, scientific, and technical services | 50 | 10.9% |
| Other services (except public administration) | 29 | 6.3% |
| Real estate and rental and leasing | 25 | 5.5% |
| Construction | 22 | 4.8% |
| Administrative and support and waste management and remediation services | 18 | 3.9% |
| Educational services | 13 | 2.8% |
| Finance and insurance | 11 | 2.4% |
| Information | 10 | 2.2% |
| Arts, entertainment, and recreation | 10 | 2.2% |
| Manufacturing | 7 | 1.5% |
| Wholesale trade | 5 | 1.1% |
| Agriculture, forestry, fishing and hunting | 4 | 0.9% |
| Transportation and warehousing | 4 | 0.9% |
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 93405 vs 93410 →
ZIP 93405 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
- 93402
Los Osos (93402)
14,318 residents
- 93442 10,789
Morro Bay (93442)
10,789 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 93405 ranks the most populous - useful context the national average alone can't give.
ZIP 93405 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
- 93402
Los Osos (93402)
$109,090 median income
- 93401
San Luis Obispo (93401)
$96,824 median income
- 93442
Morro Bay (93442)
$95,623 median income
- 93405
San Luis Obispo (93405)
$60,399 median income
What this shows By household income, ZIP 93405 ranks #5 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 93405, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (35,440 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.