Oceano, CA · standard
ZIP Code 93445
San Luis Obispo County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,173
- 165/sq mi
- $72,261
- Median income
- $573,800
- Median home value
- 21.3%
- Bachelor's or higher
National ZIP placement
Oceano pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 50%
- household income, US ZIPs
- Top 10%
- home value, US ZIPs
- 165
- people per sq mi
- 61%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 93445 against every reporting US ZIP.
ZIP code 93445 is a mid-sized community (a standard USPS delivery area) in Oceano, San Luis Obispo County, California, home to 7,173 residents across 43.5 square miles, a density of 165 people per square mile, in the Los Angeles time zone.
ZIP 93445 lands in the middle-income range, with a median household income of $72,261 (29% below the average California ZIP), while per-capita income is $36,796. The poverty rate is 17.1%, with unemployment at 3.9%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $573,800 (26% below the average California ZIP), and median rent is $1,615; owner occupancy is 60.8%.
Educational attainment sits below the national norm: 21.3% of adults hold a bachelor's degree or higher, the median age is 46.2, and the average commute is 21 minutes. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in San Luis Obispo County, so 93445 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 93445
Top 5 sectors by establishment count in Oceano, CA
Which industries have the most business establishments in ZIP 93445.
- Construction
Construction
30 establishments
- Retail trade
Retail trade
13 establishments
- Other services (except public administration)
Other services (except public administration)
13 establishments
- Health care and social assistance 9
Health care and social assistance
9 establishments
- Accommodation and food services 8
Accommodation and food services
8 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 93445, Oceano, 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
7,173
Population
43.5
Area (sq mi)
165
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 93445?
46.2
Median Age
51.6%
Male
48.4%
Female
11.6%
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?
$72,261
Median Household Income
-29% vs state ZIP avg
$36,796
Per Capita Income
17.1%
Poverty Rate
3.9%
Unemployment Rate
21.3 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
3,226housing units
3,226
Total Housing Units
2,874
Occupied Units
352
Vacant Units
2.38
Avg Household Size
Occupancy Type
$573,800
Median Home Value
-26% vs state ZIP avg
$1,615
Median Rent
1978
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
+0.6%
YoY Change (2024)
352
HPI Index (2000 = 100)
+252%
Total Change Since 2000
Home values in ZIP 93445 have increased 0.6% over the past year (2024). Since 2000, this ZIP has seen +252% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.5% | 244 |
| 2021 | +12.5% | 274 |
| 2022 | +16.2% | 318 |
| 2023 | +10.1% | 350 |
| 2024 | +0.6% | 352 |
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 101 business establishments in ZIP 93445, employing approximately 748 people with a combined annual payroll of $48,915,000.
101
Businesses
748
Employees
$48.9M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 30 | 29.7% |
| Retail trade | 13 | 12.9% |
| Other services (except public administration) | 13 | 12.9% |
| Health care and social assistance | 9 | 8.9% |
| Accommodation and food services | 8 | 7.9% |
| Administrative and support and waste management and remediation services | 7 | 6.9% |
| Real estate and rental and leasing | 6 | 5.9% |
| Professional, scientific, and technical services | 4 | 4.0% |
| Wholesale trade | 3 | 3.0% |
| Transportation and warehousing | 3 | 3.0% |
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 93445 vs 93433 →
ZIP 93445 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 93458
Santa Maria (93458)
55,431 residents
- 93444 19,244
Nipomo (93444)
19,244 residents
- 93433 13,162
Grover Beach (93433)
13,162 residents
- 93449 7,657
Pismo Beach (93449)
7,657 residents
- 93445 7,173
Oceano (93445)
7,173 residents
- 93434 7,110
Guadalupe (93434)
7,110 residents
What this shows Among its immediate neighbors, ZIP 93445 ranks #5 by population - useful context the national average alone can't give.
ZIP 93445 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 93449
Pismo Beach (93449)
$118,072 median income
- 93444
Nipomo (93444)
$110,867 median income
- 93433
Grover Beach (93433)
$86,458 median income
- 93458
Santa Maria (93458)
$75,257 median income
- 93445
Oceano (93445)
$72,261 median income
- 93434
Guadalupe (93434)
$67,231 median income
What this shows By household income, ZIP 93445 ranks #5 of 6 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 93445, 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 (7,173 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.