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
The verdict
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 is classified by USPS as a standard delivery area and covers roughly 186.9 square miles in Cayucos, San Luis Obispo County, California. The area is home to 2,972 residents, producing a population density of 16 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 93430 against California and the nation.
On the economic side, the median household income for ZIP 93430 sits at $89,519 (12% below the California average), while per-capita income is $53,837. The poverty rate stands at 8.6% and the unemployment rate at 1.2%. On housing, the median home value is $1,018,200 (32% above the state average) with median rent at $1,571 per month, and 63.1% of occupied units are owner-occupied, a direct signal of whether 93430 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 45.0% of adults hold a bachelor's degree or higher, the median age is 60.1, and the average commute is —. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Luis Obispo County, so you can benchmark 93430 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 93430
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$53,837
Per Capita Income
8.6%
Poverty Rate
1.2%
Unemployment Rate
How ZIP 93430 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$89,519 Top 27% higher than 73% 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?
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
$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.
More ZIP Codes in San Luis Obispo County
Related Areas
Frequently Asked Questions
What county is ZIP code 93430 in? ▼
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What is the demographic makeup of ZIP 93430? ▼
How many businesses are in ZIP code 93430? ▼
What are the main industries in ZIP code 93430? ▼
How have home values changed in ZIP code 93430? ▼
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What percentage of residents own vs. rent in ZIP 93430? ▼
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ZIP Code Research Guides
Official Data Resources for Cayucos, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.