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
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 93428 (Cambria, CA) rose +3.1% from 2023 to 2024. The all-transactions index moved from 293.0 in 2023 to 302.1 in 2024 (2000 = 100).
ZIP code 93428 is a mid-sized community (a standard USPS delivery area) in Cambria, San Luis Obispo County, California, home to 6,314 residents across 199.2 square miles, a density of 32 people per square mile, in the Los Angeles time zone.
ZIP 93428 lands in the middle-income range, with a median household income of $99,762 (2% below the average California ZIP), while per-capita income is $56,303. The poverty rate is 10.0%, with unemployment at 8.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $932,500 (21% above the average California ZIP), while 78.1% of occupied homes are owner-occupied and median rent is $1,912.
A solid share of residents have a four-year degree: 49.2% of adults hold a bachelor's degree or higher, the median age is 61.2, and the average commute is 22 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in San Luis Obispo County, so 93428 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 93428
Top 5 sectors by establishment count in Cambria, CA
Which industries have the most business establishments in ZIP 93428.
- Accommodation and food services
Accommodation and food services
62 establishments
- Retail trade
Retail trade
39 establishments
- Construction 22
Construction
22 establishments
- Professional, scientific, and technical services 22
Professional, scientific, and technical services
22 establishments
- Administrative and support and waste management and remediation services 18
Administrative and support and waste management and remediation services
18 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 93428, Cambria, 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
6,314
Population
199.2
Area (sq mi)
32
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 93428?
61.2
Median Age
50.2%
Male
49.8%
Female
16.9%
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?
$99,762
Median Household Income
-2% vs state ZIP avg
$56,303
Per Capita Income
10.0%
Poverty Rate
8.1%
Unemployment Rate
21.6 min
Mean Commute Time
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
4,185housing units
4,185
Total Housing Units
2,974
Occupied Units
1,211
Vacant Units
2.15
Avg Household Size
Occupancy Type
$932,500
Median Home Value
+21% vs state ZIP avg
$1,912
Median Rent
1985
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
+3.1%
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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 93428, 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 (6,314 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.