Cambria, CA · standard

ZIP Code 93428

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

6,314
32/sq mi
$99,762
Median income
$932,500
Median home value
49.2%
Bachelor's or higher

The verdict

Cambria pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 19%
household income, US ZIPs
Top 3%
home value, US ZIPs
32
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 93428 against every reporting US ZIP.

ZIP code 93428 is classified by USPS as a standard delivery area and covers roughly 199.2 square miles in Cambria, San Luis Obispo County, California. The area is home to 6,314 residents, producing a population density of 32 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 93428 against California and the nation.

On the economic side, the median household income for ZIP 93428 sits at $99,762 (2% below the California average), while per-capita income is $56,303. The poverty rate stands at 10.0% and the unemployment rate at 8.1%. On housing, the median home value is $932,500 (21% above the state average) with median rent at $1,912 per month, and 78.1% of occupied units are owner-occupied, a direct signal of whether 93428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 49.2% of adults hold a bachelor's degree or higher, the median age is 61.2, and the average commute is 22 minutes. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Luis Obispo County, so you can benchmark 93428 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 93428

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 93428.

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 93428, Cambria, 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

6,314

Population

199.2

Area (sq mi)

32

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 93428?

61.2

Median Age

50.2%

Male

49.8%

Female

16.9%

Foreign-Born

White 70.6%
African American 0.1%
Asian 1.9%
American Indian or Alaska Native 2.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 17.2%
Hispanic or Latino 26.4%

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?

$99,762

Median Household Income

-2% vs state

$56,303

Per Capita Income

10.0%

Poverty Rate

8.1%

Unemployment Rate

21.6 min

Mean Commute Time

How ZIP 93428 ranks nationally

Household income vs. every US ZIP code

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

$99,762 Top 19% higher than 81% 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 64.0%
Bachelor's Degree or Higher 49.2%

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

What does housing look like?

4,185

Total Housing Units

2,974

Occupied Units

1,211

Vacant Units

2.15

Avg Household Size

Occupancy Type

Owner 78.1%
Renter 21.9%

$932,500

Median Home Value

+21% vs state

$1,912

Median Rent

1985

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

+3.1%

YoY Change (2024)

302

HPI Index (2000 = 100)

+202%

Total Change Since 2000

Home values in ZIP 93428 have increased 3.1% over the past year (2024). Since 2000, this ZIP has seen +202% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.1% 221
2021 +10.7% 244
2022 +12.8% 276
2023 +6.3% 293
2024 +3.1% 302

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 249 business establishments in ZIP 93428, employing approximately 1,713 people with a combined annual payroll of $67,568,000.

249

Businesses

1,713

Employees

$67.6M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 62 24.9%
Retail trade 39 15.7%
Construction 22 8.8%
Professional, scientific, and technical services 22 8.8%
Administrative and support and waste management and remediation services 18 7.2%
Health care and social assistance 18 7.2%
Other services (except public administration) 16 6.4%
Real estate and rental and leasing 13 5.2%
Arts, entertainment, and recreation 11 4.4%
Manufacturing 6 2.4%
Finance and insurance 6 2.4%
Wholesale trade 5 2.0%
Information 3 1.2%
Educational services 3 1.2%

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 93428 vs 93430 →

ZIP Code City Population Distance
93430 Cayucos, CA 2,972 8.9 mi

More ZIP Codes in San Luis Obispo County

Frequently Asked Questions

What county is ZIP code 93428 in?
ZIP code 93428 (Cambria) 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 93428?
ZIP code 93428 in Cambria, CA has a population of 6,314 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 93428?
The median household income in ZIP 93428 is $99,762, which is 31% above the national average of $76,288.
What is the average home value in ZIP 93428?
The median home value in ZIP 93428 is $932,500, which is 235% above the national average of $278,155.
What is the demographic makeup of ZIP 93428?
The largest racial group in ZIP 93428 is White at 70.6%. Hispanic or Latino residents make up 26.4% of the population.
How many businesses are in ZIP code 93428?
ZIP code 93428 has 249 business establishments employing approximately 1,713 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 93428?
The top industries by establishment count in ZIP 93428 are: Accommodation and food services (62), Retail trade (39), Construction (22). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 93428?
According to the FHFA House Price Index, home values in ZIP 93428 increased by 3.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 202%. 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 93428?
In ZIP code 93428, 64.0% of residents aged 25+ have a high school diploma or higher, and 49.2% 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 93428?
The mean commute time for workers in ZIP code 93428 is 21.6 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 93428?
In ZIP code 93428, approximately 78.1% of occupied housing units are owner-occupied and 21.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 93428?
The poverty rate in ZIP code 93428 is 10.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

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Official Data Resources for Cambria, CA

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