San Mateo, CA · standard
ZIP Code 94403
San Mateo County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 39,642
- 2,718/sq mi
- $174,917
- Median income
- $1,746,300
- Median home value
- 60.6%
- 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 2%
- household income, US ZIPs
- Top 1%
- home value, US ZIPs
- 2,718
- people per sq mi
- 53%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94403 against every reporting US ZIP.
ZIP code 94403 is classified by USPS as a standard delivery area and covers roughly 14.6 square miles in San Mateo, San Mateo County, California. The area is home to 39,642 residents, producing a population density of 2,718 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 94403 against California and the nation.
On the economic side, the median household income for ZIP 94403 sits at $174,917 (72% above the California average), while per-capita income is $88,226. The poverty rate stands at 6.6% and the unemployment rate at 5.8%. On housing, the median home value is $1,746,300 (126% above the state average) with median rent at $3,263 per month, and 52.5% of occupied units are owner-occupied, a direct signal of whether 94403 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 60.6% of adults hold a bachelor's degree or higher, the median age is 38.9, and the average commute is 26 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing San Mateo County, so you can benchmark 94403 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 94403
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 94403.
- Health care and social assistance
Health care and social assistance
183 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
173 establishments
- Retail trade
Retail trade
164 establishments
- Accommodation and food services
Accommodation and food services
133 establishments
- Other services (except public administration)
Other services (except public administration)
112 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 94403, San Mateo, 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
39,642
Population
14.6
Area (sq mi)
2,718
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94403?
38.9
Median Age
50.0%
Male
50.0%
Female
37.3%
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?
$174,917
Median Household Income
+72% vs state
$88,226
Per Capita Income
6.6%
Poverty Rate
5.8%
Unemployment Rate
26.3 min
Mean Commute Time
How ZIP 94403 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$174,917 Top 2% higher than 98% 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?
17,799
Total Housing Units
16,414
Occupied Units
1,385
Vacant Units
2.59
Avg Household Size
Occupancy Type
$1,746,300
Median Home Value
+126% vs state
$3,263
Median Rent
1965
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
-10.0%
YoY Change (2024)
258
HPI Index (2000 = 100)
+158%
Total Change Since 2000
Home values in ZIP 94403 have decreased 10.0% over the past year (2024). Since 2000, this ZIP has seen +158% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -8.3% | 219 |
| 2021 | -3.1% | 212 |
| 2022 | +21.9% | 258 |
| 2023 | +11.1% | 287 |
| 2024 | -10.0% | 258 |
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 1,204 business establishments in ZIP 94403, employing approximately 32,578 people with a combined annual payroll of $5,451,196,000.
1,204
Businesses
32,578
Employees
$5.5B
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 183 | 15.2% |
| Professional, scientific, and technical services | 173 | 14.4% |
| Retail trade | 164 | 13.6% |
| Accommodation and food services | 133 | 11.1% |
| Other services (except public administration) | 112 | 9.3% |
| Construction | 76 | 6.3% |
| Real estate and rental and leasing | 76 | 6.3% |
| Finance and insurance | 66 | 5.5% |
| Administrative and support and waste management and remediation services | 57 | 4.7% |
| Information | 55 | 4.6% |
| Educational services | 29 | 2.4% |
| Arts, entertainment, and recreation | 25 | 2.1% |
| Wholesale trade | 23 | 1.9% |
| Manufacturing | 14 | 1.2% |
| Transportation and warehousing | 14 | 1.2% |
| Management of companies and enterprises | 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 94403 vs 94002 →
ZIP 94403 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94010
Burlingame (94010)
40,737 residents
- 94403
San Mateo (94403)
39,642 residents
- 94061
Redwood City (94061)
36,245 residents
- 94401
San Mateo (94401)
34,429 residents
- 94404
San Mateo (94404)
33,749 residents
- 94063
Redwood City (94063)
30,949 residents
- 94070
San Carlos (94070)
29,166 residents
- 94002
Belmont (94002)
25,992 residents
- 94062
Redwood City (94062)
25,876 residents
What this shows Among its immediate neighbors, ZIP 94403 ranks #2 by population — useful context the national average alone can't give.
ZIP 94403 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
- 94062
Redwood City (94062)
$233,262 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
- 94061
Redwood City (94061)
$146,265 median income
What this shows By household income, ZIP 94403 ranks #7 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94002 | Belmont, CA | 25,992 | 1.8 mi |
| 94402 | San Mateo, CA | 23,981 | 1.6 mi |
| 94401 | San Mateo, CA | 34,429 | 2.6 mi |
| 94404 | San Mateo, CA | 33,749 | 2.3 mi |
| 94065 | Redwood City, CA | 11,359 | 3.2 mi |
| 94070 | San Carlos, CA | 29,166 | 3.4 mi |
| 94010 | Burlingame, CA | 40,737 | 4.0 mi |
| 94062 | Redwood City, CA | 25,876 | 8.1 mi |
| 94063 | Redwood City, CA | 30,949 | 6.1 mi |
| 94061 | Redwood City, CA | 36,245 | 6.5 mi |
More ZIP Codes in San Mateo County
Related Areas
Frequently Asked Questions
What county is ZIP code 94403 in? ▼
What is the population of ZIP code 94403? ▼
What is the median household income in ZIP 94403? ▼
What is the average home value in ZIP 94403? ▼
What is the demographic makeup of ZIP 94403? ▼
How many businesses are in ZIP code 94403? ▼
What are the main industries in ZIP code 94403? ▼
How have home values changed in ZIP code 94403? ▼
What is the education level in ZIP code 94403? ▼
What is the average commute time in ZIP 94403? ▼
What percentage of residents own vs. rent in ZIP 94403? ▼
What is the poverty rate in ZIP code 94403? ▼
ZIP Code Research Guides
Official Data Resources for San Mateo, 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.