PlainZIP

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
$122,227
Median income
$1,184,500
Median home value
46.3%
Bachelor's or higher

The verdict

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.

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 California average), while per-capita income is $63,426. Local economic indicators show a 12.2% poverty rate alongside 3.6% unemployment. The typical home here is valued at $1,184,500 (53% above the state average); renters pay a median of $2,762 monthly, and 43.4% of units are owner-occupied.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing San Mateo County, letting you compare 94401 to its immediate surroundings rather than a national baseline alone.

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.

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 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

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 94401?

35.9

Median Age

50.3%

Male

49.7%

Female

39.9%

Foreign-Born

White 29.6%
African American 1.4%
Asian 24.2%
American Indian or Alaska Native 4.1%
Native Hawaiian or Pacific Islander 2.8%
Two or More Ethnicities 20.4%
Hispanic or Latino 38.0%

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

$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

$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%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. 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 61.4%
Bachelor's Degree or Higher 46.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,818

Total Housing Units

13,026

Occupied Units

792

Vacant Units

2.64

Avg Household Size

Occupancy Type

Owner 43.4%
Renter 56.6%

$1,184,500

Median Home Value

+53% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 94401 ranks #4 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 94401 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 94401 ranks #null 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
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

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 San Mateo, CA California

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.

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