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

The verdict

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.

ZIP code 93405 is classified by USPS as a standard delivery area and covers roughly 227.3 square miles in San Luis Obispo, San Luis Obispo County, California. The area is home to 35,440 residents, producing a population density of 156 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 93405 against California and the nation.

On the economic side, the median household income for ZIP 93405 sits at $60,399 (41% below the California average), while per-capita income is $35,940. The poverty rate stands at 43.5% and the unemployment rate at 9.8%. On housing, the median home value is $949,700 (23% above the state average) with median rent at $2,020 per month, and 34.7% of occupied units are owner-occupied, a direct signal of whether 93405 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 54.8% of adults hold a bachelor's degree or higher, the median age is 22.6, and the average commute is 15 minutes. We also surface 6 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Luis Obispo County, so you can benchmark 93405 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 93405

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 93405.

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 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; HUD FMR + 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

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 93405?

22.6

Median Age

50.4%

Male

49.6%

Female

6.9%

Foreign-Born

White 73.9%
African American 1.0%
Asian 6.7%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 12.8%
Hispanic or Latino 16.3%

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

$35,940

Per Capita Income

43.5%

Poverty Rate

9.8%

Unemployment Rate

14.6 min

Mean Commute Time

How ZIP 93405 ranks nationally

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

$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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 66.4%
Bachelor's Degree or Higher 54.8%

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

What does housing look like?

9,858

Total Housing Units

8,883

Occupied Units

975

Vacant Units

2.65

Avg Household Size

Occupancy Type

Owner 34.7%
Renter 65.3%

$949,700

Median Home Value

+23% vs state

$2,020

Median Rent

1976

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)

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.

residents

What this shows Among its immediate neighbors, ZIP 93405 ranks the most populous — useful context the national average alone can't give.

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

ZIP 93405 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 93405 ranks #5 of 5 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 3.7 mi
93424 Avila Beach, CA 1,261 7.5 mi
93402 Los Osos, CA 14,318 6.2 mi
93401 San Luis Obispo, CA 28,033 7.3 mi
93442 Morro Bay, CA 10,789 8.4 mi
93449 Pismo Beach, CA 7,657 10.6 mi

More ZIP Codes in San Luis Obispo County

Frequently Asked Questions

What county is ZIP code 93405 in?
ZIP code 93405 (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 93405?
ZIP code 93405 in San Luis Obispo, CA has a population of 35,440 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 93405?
The median household income in ZIP 93405 is $60,399, which is 21% below the national average of $76,288.
What is the average home value in ZIP 93405?
The median home value in ZIP 93405 is $949,700, which is 241% above the national average of $278,155.
What is the demographic makeup of ZIP 93405?
The largest racial group in ZIP 93405 is White at 73.9%. Hispanic or Latino residents make up 16.3% of the population.
How many businesses are in ZIP code 93405?
ZIP code 93405 has 457 business establishments employing approximately 6,997 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 93405?
The top industries by establishment count in ZIP 93405 are: Health care and social assistance (94), Accommodation and food services (81), Retail trade (72). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 93405?
According to the FHFA House Price Index, home values in ZIP 93405 increased by 3.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 235%. 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 93405?
In ZIP code 93405, 66.4% of residents aged 25+ have a high school diploma or higher, and 54.8% 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 93405?
The mean commute time for workers in ZIP code 93405 is 14.6 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 93405?
In ZIP code 93405, approximately 34.7% of occupied housing units are owner-occupied and 65.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 93405?
The poverty rate in ZIP code 93405 is 43.5% 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.