Montara, CA · standard
ZIP Code 94037
San Mateo County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,913
- 195/sq mi
- $233,826
- Median income
- $1,580,700
- Median home value
- 66.9%
- Bachelor's or higher
The verdict
Montara pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 1%
- household income, US ZIPs
- Top 1%
- home value, US ZIPs
- 195
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94037 against every reporting US ZIP.
ZIP code 94037 is classified by USPS as a standard delivery area and covers roughly 15.0 square miles in Montara, San Mateo County, California. The area is home to 2,913 residents, producing a population density of 195 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 94037 against California and the nation.
On the economic side, the median household income for ZIP 94037 sits at $233,826 (130% above the California average), while per-capita income is $90,748. The poverty rate stands at 3.4% and the unemployment rate at 9.5%. On housing, the median home value is $1,580,700 (105% above the state average) with median rent at $3,032 per month, and 78.2% of occupied units are owner-occupied, a direct signal of whether 94037 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 66.9% of adults hold a bachelor's degree or higher, the median age is 50.5, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Mateo County, so you can benchmark 94037 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 94037
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 94037.
- Professional, scientific, and technical services
Professional, scientific, and technical services
13 establishments
- Construction
Construction
6 establishments
- Accommodation and food services
Accommodation and food services
6 establishments
- Retail trade 4
Retail trade
4 establishments
- Real estate and rental and leasing 4
Real estate and rental and leasing
4 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 94037, Montara, 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
2,913
Population
15.0
Area (sq mi)
195
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94037?
50.5
Median Age
56.3%
Male
43.7%
Female
10.6%
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?
$233,826
Median Household Income
+130% vs state
$90,748
Per Capita Income
3.4%
Poverty Rate
9.5%
Unemployment Rate
How ZIP 94037 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$233,826 Top 1% higher than 99% 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?
1,211
Total Housing Units
1,003
Occupied Units
208
Vacant Units
2.86
Avg Household Size
Occupancy Type
$1,580,700
Median Home Value
+105% vs state
$3,032
Median Rent
1975
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
+16.9%
YoY Change (2022)
281
HPI Index (2000 = 100)
+181%
Total Change Since 2000
Home values in ZIP 94037 have increased 16.9% over the past year (2022). Since 2000, this ZIP has seen +181% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | +5.0% | 213 |
| 2019 | +7.7% | 229 |
| 2020 | -0.9% | 227 |
| 2021 | +6.1% | 240 |
| 2022 | +16.9% | 281 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 51 business establishments in ZIP 94037, employing approximately 201 people with a combined annual payroll of $8,377,000.
51
Businesses
201
Employees
$8.4M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 13 | 25.5% |
| Construction | 6 | 11.8% |
| Accommodation and food services | 6 | 11.8% |
| Retail trade | 4 | 7.8% |
| Real estate and rental and leasing | 4 | 7.8% |
| Health care and social assistance | 4 | 7.8% |
| Other services (except public administration) | 4 | 7.8% |
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 94037 vs 94038 →
ZIP 94037 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94080
South San Francisco (94080)
63,975 residents
- 94015
Daly City (94015)
60,927 residents
- 94014
Daly City (94014)
47,014 residents
- 94066
San Bruno (94066)
41,130 residents
- 94010
Burlingame (94010)
40,737 residents
- 94044
Pacifica (94044)
37,296 residents
- 94030 21,536
Millbrae (94030)
21,536 residents
- 94019 18,424
Half Moon Bay (94019)
18,424 residents
- 94038 3,040
Moss Beach (94038)
3,040 residents
What this shows Among its immediate neighbors, ZIP 94037 ranks #0 by population — useful context the national average alone can't give.
ZIP 94037 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94037
Montara (94037)
$233,826 median income
- 94010
Burlingame (94010)
$196,882 median income
- 94030
Millbrae (94030)
$163,476 median income
- 94044
Pacifica (94044)
$160,408 median income
- 94019
Half Moon Bay (94019)
$153,781 median income
- 94066
San Bruno (94066)
$141,272 median income
- 94080
South San Francisco (94080)
$136,733 median income
- 94015
Daly City (94015)
$127,056 median income
- 94014
Daly City (94014)
$122,966 median income
What this shows By household income, ZIP 94037 ranks the highest of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94038 | Moss Beach, CA | 3,040 | 2.3 mi |
| 94044 | Pacifica, CA | 37,296 | 3.6 mi |
| 94066 | San Bruno, CA | 41,130 | 6.0 mi |
| 94030 | Millbrae, CA | 21,536 | 6.0 mi |
| 94015 | Daly City, CA | 60,927 | 8.8 mi |
| 94010 | Burlingame, CA | 40,737 | 7.3 mi |
| 94019 | Half Moon Bay, CA | 18,424 | 7.6 mi |
| 94080 | South San Francisco, CA | 63,975 | 8.1 mi |
| 94128 | San Francisco, CA | 69 | 7.7 mi |
| 94014 | Daly City, CA | 47,014 | 9.8 mi |
More ZIP Codes in San Mateo County
Related Areas
Frequently Asked Questions
What county is ZIP code 94037 in? ▼
What is the population of ZIP code 94037? ▼
What is the median household income in ZIP 94037? ▼
What is the average home value in ZIP 94037? ▼
What is the demographic makeup of ZIP 94037? ▼
How many businesses are in ZIP code 94037? ▼
What are the main industries in ZIP code 94037? ▼
How have home values changed in ZIP code 94037? ▼
What is the education level in ZIP code 94037? ▼
What percentage of residents own vs. rent in ZIP 94037? ▼
What is the poverty rate in ZIP code 94037? ▼
ZIP Code Research Guides
Official Data Resources for Montara, 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.