PlainZIP

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 covers 15.0 square miles in Montara, San Mateo County, California (a standard USPS delivery area), with a modest 2,913 residents on file, a density of 195 people per square mile, in the Los Angeles time zone.

ZIP 94037 skews affluent, with a median household income of $233,826 (130% above the California average), while per-capita income is $90,748. Poverty here runs at 3.4%, with unemployment measured at 9.5%. Housing costs here run $1,580,700 for a typical home value (105% above the state average), with rent averaging $3,032 a month; 78.2% of homes are owner-occupied.

This is a highly-educated ZIP: 66.9% of adults hold a bachelor's degree or higher, the median age is 50.5, and the average commute is -. To put 94037 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in San Mateo County, for a geography-aware comparison.

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 94037

Top 5 sectors by establishment count in Montara, CA

Which industries have the most business establishments in ZIP 94037.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 94037, Montara, 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

2,913

Population

15.0

Area (sq mi)

195

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 94037?

50.5

Median Age

56.3%

Male

43.7%

Female

10.6%

Foreign-Born

White 69.5%
African American 0.0%
Asian 1.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.2%
Hispanic or Latino 24.8%

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

Montara, CA 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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 75.8%
Bachelor's Degree or Higher 66.9%

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

Owner 78.2%
Renter 21.8%

$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.

residents

What this shows Among its immediate neighbors, ZIP 94037 ranks #0 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 94037 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

94080 standard
South San Francisco, CA
Pop: 63,975
94015 standard
Daly City, CA
Pop: 60,927
94014 standard
Daly City, CA
Pop: 47,014
94303 standard
Palo Alto, CA
Pop: 45,467
94066 standard
San Bruno, CA
Pop: 41,130
94010 standard
Burlingame, CA
Pop: 40,737

Related Areas

San Mateo County Montara, CA California

Frequently Asked Questions

What county is ZIP code 94037 in? ▼
ZIP code 94037 (Montara) is located in San Mateo County, California. San Mateo County contains multiple ZIP codes, see the full list at /counties/san-mateo-ca.
What is the population of ZIP code 94037? ▼
ZIP code 94037 in Montara, CA has a population of 2,913 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94037? ▼
The median household income in ZIP 94037 is $233,826, which is 207% above the national average of $76,288.
What is the average home value in ZIP 94037? ▼
The median home value in ZIP 94037 is $1,580,700, which is 468% above the national average of $278,155.
What is the demographic makeup of ZIP 94037? ▼
The largest racial group in ZIP 94037 is White at 69.5%. Hispanic or Latino residents make up 24.8% of the population.
How many businesses are in ZIP code 94037? ▼
ZIP code 94037 has 51 business establishments employing approximately 201 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94037? ▼
The top industries by establishment count in ZIP 94037 are: Professional, scientific, and technical services (13), Construction (6), Accommodation and food services (6). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 94037? ▼
According to the FHFA House Price Index, home values in ZIP 94037 increased by 16.9% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 181%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 94037? ▼
In ZIP code 94037, 75.8% of residents aged 25+ have a high school diploma or higher, and 66.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 94037? ▼
In ZIP code 94037, approximately 78.2% of occupied housing units are owner-occupied and 21.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94037? ▼
The poverty rate in ZIP code 94037 is 3.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.