San Mateo, CA · standard
ZIP Code 94401
San Mateo County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 34,429
- 4,168/sq mi High-density area
- $122,227
- Median income Above-median income area
- $1,184,500
- Median home value Above-median home value
- 46.3%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
San Mateo pairs a top-decile household income with top-decile home values, in a suburban-density, mixed-tenure area.
- Top 9%
- household income, US ZIPs
- Top 1%
- home value, US ZIPs
- 4,168
- people per sq mi
- 43%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94401 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 94401 (San Mateo, CA) rose +4.3% from 2023 to 2024. The all-transactions index moved from 326.5 in 2023 to 340.5 in 2024 (2000 = 100).
ZIP code 94401 is a densely settled ZIP (a standard USPS delivery area) in San Mateo, San Mateo County, California, with 34,429 residents across 8.3 square miles, a density of 4,168 people per square mile, in the Los Angeles time zone.
ZIP 94401 skews affluent, with a median household income of $122,227 (20% above the average California ZIP), while per-capita income is $63,426. The poverty rate is 12.2%, with unemployment at 3.6%; those measures add context to the income figure. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $1,184,500 (53% above the average California ZIP), with only 43.4% owner-occupied homes and median rent of $2,762.
A solid share of residents have a four-year degree: 46.3% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in San Mateo County, so 94401 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 94401
Top 5 sectors by establishment count in San Mateo, CA
Which industries have the most business establishments in ZIP 94401.
- Health care and social assistance
Health care and social assistance
289 establishments
- Accommodation and food services
Accommodation and food services
178 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
129 establishments
- Other services (except public administration) 97
Other services (except public administration)
97 establishments
- Construction 85
Construction
85 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 94401, San Mateo, 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
34,429
Population
8.3
Area (sq mi)
4,168
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94401?
35.9
Median Age
50.3%
Male
49.7%
Female
39.9%
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?
$122,227
Median Household Income
+20% vs state ZIP avg
$63,426
Per Capita Income
12.2%
Poverty Rate
3.6%
Unemployment Rate
25.7 min
Mean Commute Time
How ZIP 94401 ranks nationally
San Mateo, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$122,227 Top 9% higher than 91% 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?
Housing stock: occupied vs vacant
13,818housing units
13,818
Total Housing Units
13,026
Occupied Units
792
Vacant Units
2.64
Avg Household Size
Occupancy Type
$1,184,500
Median Home Value
+53% vs state ZIP avg
$2,762
Median Rent
1964
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
+4.3%
YoY Change (2024)
340
HPI Index (2000 = 100)
+240%
Total Change Since 2000
Home values in ZIP 94401 have increased 4.3% over the past year (2024). Since 2000, this ZIP has seen +240% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -4.0% | 262 |
| 2021 | +3.7% | 272 |
| 2022 | +0.5% | 273 |
| 2023 | +19.6% | 326 |
| 2024 | +4.3% | 340 |
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 1,162 business establishments in ZIP 94401, employing approximately 15,587 people with a combined annual payroll of $1,548,069,000.
1,162
Businesses
15,587
Employees
$1.5B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 289 | 24.9% |
| Accommodation and food services | 178 | 15.3% |
| Professional, scientific, and technical services | 129 | 11.1% |
| Other services (except public administration) | 97 | 8.3% |
| Construction | 85 | 7.3% |
| Retail trade | 80 | 6.9% |
| Real estate and rental and leasing | 53 | 4.6% |
| Administrative and support and waste management and remediation services | 49 | 4.2% |
| Finance and insurance | 46 | 4.0% |
| Information | 45 | 3.9% |
| Educational services | 29 | 2.5% |
| Wholesale trade | 20 | 1.7% |
| Manufacturing | 19 | 1.6% |
| Transportation and warehousing | 16 | 1.4% |
| Arts, entertainment, and recreation | 16 | 1.4% |
| Management of companies and enterprises | 5 | 0.4% |
| Industries not classified | 4 | 0.3% |
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 94401 vs 94402 →
ZIP 94401 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94066
San Bruno (94066)
41,130 residents
- 94010
Burlingame (94010)
40,737 residents
- 94403
San Mateo (94403)
39,642 residents
- 94401
San Mateo (94401)
34,429 residents
- 94404
San Mateo (94404)
33,749 residents
- 94070
San Carlos (94070)
29,166 residents
- 94002
Belmont (94002)
25,992 residents
- 94402
San Mateo (94402)
23,981 residents
- 94030
Millbrae (94030)
21,536 residents
What this shows Among its immediate neighbors, ZIP 94401 ranks #4 by population - useful context the national average alone can't give.
ZIP 94401 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94070
San Carlos (94070)
$240,074 median income
- 94065
Redwood City (94065)
$215,955 median income
- 94002
Belmont (94002)
$203,965 median income
- 94010
Burlingame (94010)
$196,882 median income
- 94404
San Mateo (94404)
$192,332 median income
- 94403
San Mateo (94403)
$174,917 median income
- 94402
San Mateo (94402)
$172,522 median income
- 94030
Millbrae (94030)
$163,476 median income
- 94066
San Bruno (94066)
$141,272 median income
What this shows By household income, ZIP 94401 ranks #null of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94402 | San Mateo, CA | 23,981 | 2.4 mi |
| 94403 | San Mateo, CA | 39,642 | 2.6 mi |
| 94010 | Burlingame, CA | 40,737 | 2.6 mi |
| 94404 | San Mateo, CA | 33,749 | 3.0 mi |
| 94002 | Belmont, CA | 25,992 | 4.3 mi |
| 94030 | Millbrae, CA | 21,536 | 5.0 mi |
| 94065 | Redwood City, CA | 11,359 | 4.8 mi |
| 94128 | San Francisco, CA | 69 | 4.9 mi |
| 94070 | San Carlos, CA | 29,166 | 5.9 mi |
| 94066 | San Bruno, CA | 41,130 | 7.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 94401, 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 (34,429 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Mateo County
Related Areas
Frequently Asked Questions
What county is ZIP code 94401 in?
ZIP code 94401 (San Mateo) 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 94401?
ZIP code 94401 in San Mateo, CA has a population of 34,429 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94401?
The median household income in ZIP 94401 is $122,227, which is 60% above the national average of $76,288.
What is the average home value in ZIP 94401?
The median home value in ZIP 94401 is $1,184,500, which is 326% above the national average of $278,155.
What is the demographic makeup of ZIP 94401?
The largest racial group in ZIP 94401 is White at 29.6%. Hispanic or Latino residents make up 38.0% of the population.
How many businesses are in ZIP code 94401?
ZIP code 94401 has 1,162 business establishments employing approximately 15,587 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94401?
The top industries by establishment count in ZIP 94401 are: Health care and social assistance (289), Accommodation and food services (178), Professional, scientific, and technical services (129). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 94401?
According to the FHFA House Price Index, home values in ZIP 94401 increased by 4.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 240%. 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 94401?
In ZIP code 94401, 61.4% of residents aged 25+ have a high school diploma or higher, and 46.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 94401?
The mean commute time for workers in ZIP code 94401 is 25.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 94401?
In ZIP code 94401, approximately 43.4% of occupied housing units are owner-occupied and 56.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94401?
The poverty rate in ZIP code 94401 is 12.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 94401's numbers, next.
- See how ZIP 94401 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where San Mateo, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.