Residential delivery area · California
ZIP Code 94038: Moss Beach, CA
ZIP code 94038 uses the postal name Moss Beach, California and lies entirely in San Mateo County (Census 2020 ZIP-county file). About 2,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $99,680 (Census Bureau, ACS 2020-2024). By Census place, 37% of its land lies in Moss Beach (a census-designated place), and under 1% in smaller places; 62% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2022
- ZBP2023
- IRS2022
- Town
- Moss Beach · its only residential ZIP
- County
- San Mateo County
- Census places
- Moss Beach census-designated place
- Metro area
- San Francisco-Oakland-Fremont, CA
- House district
- CA-16 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 5.9 sq mi · 452 people per sq mi
Where is ZIP code 94038?
94038 centers on 37.536°, -122.474° and covers 5.9 square miles of land plus 0.0 of water. It borders 2 ZIP codes: 94037, 94019.
The map draws ZIP code areas only. For the streets inside 94038, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 94038 compare with the rest of San Mateo County?
| Measure | 94038 | In San Mateo County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 2,683 | 26th of 31 | 1,242nd of 1,802 |
| Median household income | $100k | not ranked | not ranked |
| Median home value | $1.12M | 24th of 27 | 273rd of 1,317 |
94038's median household income is not ranked: its 90% margin of error (±$45,343) is more than a quarter of the figure ($99,680). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 71% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 94038?
The 2020 Census counted 3,176 people in 94038; the ACS, which samples households over 2020-2024, estimates 2,683. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 2,683±751 (90% margin)
- 2020 Census count
- 3,176
- Households
- 915
- Median age
- 47.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 94038?
Of the 2,683 people the ACS estimates in 94038, 20.2% are under 18 and 27.8% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (54.9%), then Hispanic or Latino (37.5%).
- Under 1820.2%
- 18 to 6452.0%
- 65 and older27.8%
- White, not Hispanic54.9%
- Hispanic or Latino37.5%
- Asian, not Hispanic4.5%
- Other or two or more2.9%
- Black, not Hispanic0.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 94038 earn?
Median household income is $99,680 (ACS 2020-2024).
- Median household income
- $99,680±$45,343
- Income per person
- $56,009
- Below the poverty line
- 9.1%
- Unemployed (of the labor force)
- 0.2%
- Adults 25+ with a bachelor's degree
- 47.1%
- Adjusted gross income per tax return, 2022
- $146,6881,460 returns; wages 70% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 94038?
- Median home value (owners' estimate)
- $1,123,100
- Median gross rent
- –
- Homes owned by their occupants
- 99.0%
- Housing units
- 1,039
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 94038?
45 business establishments had a location in this ZIP code in 2023, 3 fewer than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services9
- Construction6
- Retail trade5
- Accommodation and food services5
- Real estate and rental and leasing4
- Other services (except public administration)4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 94038?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 94037 | Montara | 2,917 | $234k | 1.7 mi |
| 94019 | Half Moon Bay | 14,419 | $154k | 6.6 mi |
| 94018 | El Granada | 3,834 | $230k | 2.1 mi (near) |
| 94044 | Pacifica | 37,274 | $160k | 4.9 mi (near) |
| 94030 | Millbrae | 22,689 | $164k | 5.9 mi (near) |
| 94010 | Burlingame | 43,025 | $197k | 6.0 mi (near) |
| 94066 | San Bruno | 42,728 | $141k | 6.6 mi (near) |
| 94128 | San Francisco | 0 | – | 7.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.