Novato, CA · standard
ZIP Code 94945
Marin County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,167
- 252/sq mi
- $107,790
- Median income
- $1,124,100
- Median home value
- 52.1%
- Bachelor's or higher
The verdict
Novato pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 15%
- household income, US ZIPs
- Top 2%
- home value, US ZIPs
- 252
- people per sq mi
- 70%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94945 against every reporting US ZIP.
ZIP code 94945 is classified by USPS as a standard delivery area and covers roughly 68.2 square miles in Novato, Marin County, California. The area is home to 17,167 residents, producing a population density of 252 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 94945 against California and the nation.
On the economic side, the median household income for ZIP 94945 sits at $107,790 (6% above the California average), while per-capita income is $67,050. The poverty rate stands at 8.4% and the unemployment rate at 6.5%. On housing, the median home value is $1,124,100 (45% above the state average) with median rent at $2,326 per month, and 70.4% of occupied units are owner-occupied, a direct signal of whether 94945 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 52.1% of adults hold a bachelor's degree or higher, the median age is 49.6, and the average commute is 28 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Marin County, so you can benchmark 94945 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 94945
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 94945.
- Health care and social assistance
Health care and social assistance
111 establishments
- Construction
Construction
102 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
97 establishments
- Retail trade
Retail trade
87 establishments
- Other services (except public administration)
Other services (except public administration)
63 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 94945, Novato, 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
17,167
Population
68.2
Area (sq mi)
252
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 94945?
49.6
Median Age
50.2%
Male
49.8%
Female
23.4%
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?
$107,790
Median Household Income
+6% vs state
$67,050
Per Capita Income
8.4%
Poverty Rate
6.5%
Unemployment Rate
28.1 min
Mean Commute Time
How ZIP 94945 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$107,790 Top 15% higher than 85% 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?
7,343
Total Housing Units
7,081
Occupied Units
262
Vacant Units
2.47
Avg Household Size
Occupancy Type
$1,124,100
Median Home Value
+45% vs state
$2,326
Median Rent
1973
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
+1.8%
YoY Change (2024)
259
HPI Index (2000 = 100)
+159%
Total Change Since 2000
Home values in ZIP 94945 have increased 1.8% over the past year (2024). Since 2000, this ZIP has seen +159% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -2.6% | 199 |
| 2021 | +8.5% | 215 |
| 2022 | +11.7% | 241 |
| 2023 | +5.7% | 254 |
| 2024 | +1.8% | 259 |
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 763 business establishments in ZIP 94945, employing approximately 8,667 people with a combined annual payroll of $626,709,000.
763
Businesses
8,667
Employees
$626.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 111 | 14.6% |
| Construction | 102 | 13.4% |
| Professional, scientific, and technical services | 97 | 12.7% |
| Retail trade | 87 | 11.4% |
| Other services (except public administration) | 63 | 8.3% |
| Accommodation and food services | 59 | 7.7% |
| Administrative and support and waste management and remediation services | 57 | 7.5% |
| Finance and insurance | 55 | 7.2% |
| Real estate and rental and leasing | 42 | 5.5% |
| Wholesale trade | 19 | 2.5% |
| Information | 17 | 2.2% |
| Educational services | 13 | 1.7% |
| Arts, entertainment, and recreation | 13 | 1.7% |
| Transportation and warehousing | 12 | 1.6% |
| Manufacturing | 11 | 1.4% |
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 94945 vs 94949 →
ZIP 94945 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94901
San Rafael (94901)
41,157 residents
- 94954
Petaluma (94954)
37,365 residents
- 95476
Sonoma (95476)
35,394 residents
- 94903
San Rafael (94903)
29,040 residents
- 94947
Novato (94947)
24,283 residents
- 94949
Novato (94949)
17,202 residents
- 94945
Novato (94945)
17,167 residents
- 94960 15,740
San Anselmo (94960)
15,740 residents
- 94973 1,429
Woodacre (94973)
1,429 residents
What this shows Among its immediate neighbors, ZIP 94945 ranks #7 by population — useful context the national average alone can't give.
ZIP 94945 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94973
Woodacre (94973)
$231,094 median income
- 94963
San Geronimo (94963)
$210,823 median income
- 94960
San Anselmo (94960)
$185,170 median income
- 94946
Nicasio (94946)
$154,688 median income
- 94903
San Rafael (94903)
$142,083 median income
- 94947
Novato (94947)
$128,766 median income
- 94949
Novato (94949)
$120,758 median income
- 94901
San Rafael (94901)
$115,330 median income
- 94954
Petaluma (94954)
$113,527 median income
What this shows By household income, ZIP 94945 ranks #null of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 94949 | Novato, CA | 17,202 | 4.5 mi |
| 94947 | Novato, CA | 24,283 | 4.0 mi |
| 94954 | Petaluma, CA | 37,365 | 7.4 mi |
| 94903 | San Rafael, CA | 29,040 | 7.1 mi |
| 94960 | San Anselmo, CA | 15,740 | 9.2 mi |
| 94946 | Nicasio, CA | 699 | 8.1 mi |
| 94973 | Woodacre, CA | 1,429 | 9.1 mi |
| 94901 | San Rafael, CA | 41,157 | 10.7 mi |
| 95476 | Sonoma, CA | 35,394 | 10.0 mi |
| 94963 | San Geronimo, CA | 569 | 10.0 mi |
More ZIP Codes in Marin County
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Frequently Asked Questions
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What percentage of residents own vs. rent in ZIP 94945? ▼
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ZIP Code Research Guides
Official Data Resources for Novato, 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.