Cayucos, CA · standard
ZIP Code 93430
San Luis Obispo County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,972
- 16/sq mi
- $89,519
- Median income
- $1,018,200
- Median home value
- 45.0%
- Bachelor's or higher
National ZIP placement
Cayucos pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 27%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 16
- people per sq mi
- 63%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 93430 against every reporting US ZIP.
ZIP code 93430 covers 186.9 square miles in Cayucos, San Luis Obispo County, California (a standard USPS delivery area), with a modest 2,972 residents on file, a density of 16 people per square mile, in the Los Angeles time zone.
ZIP 93430 lands in the middle-income range, with a median household income of $89,519 (12% below the average California ZIP), while per-capita income is $53,837. The poverty rate is 8.6%, with unemployment at 1.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $1,018,200 (32% above the average California ZIP), while 63.1% of occupied homes are owner-occupied and median rent is $1,571.
A solid share of residents have a four-year degree: 45.0% of adults hold a bachelor's degree or higher, the median age is 60.1, and the average commute is -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in San Luis Obispo County, so 93430 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 93430
Top 5 sectors by establishment count in Cayucos, CA
Which industries have the most business establishments in ZIP 93430.
- Accommodation and food services
Accommodation and food services
23 establishments
- Construction
Construction
12 establishments
- Retail trade
Retail trade
11 establishments
- Professional, scientific, and technical services 8
Professional, scientific, and technical services
8 establishments
- Real estate and rental and leasing 6
Real estate and rental and leasing
6 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 93430, Cayucos, 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
2,972
Population
186.9
Area (sq mi)
16
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 93430?
60.1
Median Age
52.7%
Male
47.3%
Female
3.8%
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?
$89,519
Median Household Income
-12% vs state ZIP avg
$53,837
Per Capita Income
8.6%
Poverty Rate
1.2%
Unemployment Rate
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
2,719housing units
2,719
Total Housing Units
1,571
Occupied Units
1,148
Vacant Units
1.98
Avg Household Size
Occupancy Type
$1,018,200
Median Home Value
+32% vs state ZIP avg
$1,571
Median Rent
1974
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
+23.0%
YoY Change (2023)
376
HPI Index (2000 = 100)
+276%
Total Change Since 2000
Home values in ZIP 93430 have increased 23.0% over the past year (2023). Since 2000, this ZIP has seen +276% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | -1.4% | 256 |
| 2020 | -0.2% | 256 |
| 2021 | +8.7% | 278 |
| 2022 | +10.0% | 306 |
| 2023 | +23.0% | 376 |
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 2023. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 82 business establishments in ZIP 93430, employing approximately 461 people with a combined annual payroll of $17,219,000.
82
Businesses
461
Employees
$17.2M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 23 | 28.1% |
| Construction | 12 | 14.6% |
| Retail trade | 11 | 13.4% |
| Professional, scientific, and technical services | 8 | 9.8% |
| Real estate and rental and leasing | 6 | 7.3% |
| Other services (except public administration) | 5 | 6.1% |
| Administrative and support and waste management and remediation services | 3 | 3.7% |
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 93430 vs 93428 →
ZIP 93430 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 93442
Morro Bay (93442)
10,789 residents
- 93428
Cambria (93428)
6,314 residents
- 93430 2,972
Cayucos (93430)
2,972 residents
What this shows Among its immediate neighbors, ZIP 93430 ranks #3 by population - useful context the national average alone can't give.
ZIP 93430 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 93428
Cambria (93428)
$99,762 median income
- 93442
Morro Bay (93442)
$95,623 median income
- 93430
Cayucos (93430)
$89,519 median income
What this shows By household income, ZIP 93430 ranks #3 of 3 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 93430, 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 (2,972 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.