French Camp, CA · standard
ZIP Code 95231
San Joaquin County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,374
- 160/sq mi High-density area
- $90,417
- Median income Above-median income area
- $455,400
- Median home value Above-median home value
- 6.1%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
French Camp pairs an above-median household income with upper-quartile home values, in a rural, mixed-tenure area.
- Top 27%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 160
- people per sq mi
- 58%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95231 against every reporting US ZIP.
ZIP code 95231 covers 27.4 square miles in French Camp, San Joaquin County, California (a standard USPS delivery area), with a modest 4,374 residents on file, a density of 160 people per square mile, in the Los Angeles time zone.
ZIP 95231 lands in the middle-income range, with a median household income of $90,417 (11% below the average California ZIP), while per-capita income is $18,248. The poverty rate is 22.1%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $455,400 (41% below the average California ZIP), and median rent is $2,056; owner occupancy is 57.8%.
Formal educational attainment runs low here: just 6.1% of adults hold a bachelor's degree or higher, the median age is 35.5, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in San Joaquin County, so 95231 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 95231
Top 5 sectors by establishment count in French Camp, CA
Which industries have the most business establishments in ZIP 95231.
- Transportation and warehousing
Transportation and warehousing
22 establishments
- Construction
Construction
14 establishments
- Health care and social assistance
Health care and social assistance
9 establishments
- Retail trade 8
Retail trade
8 establishments
- Other services (except public administration) 8
Other services (except public administration)
8 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 95231, French Camp, 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
4,374
Population
27.4
Area (sq mi)
160
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95231?
35.5
Median Age
69.9%
Male
30.1%
Female
24.3%
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?
$90,417
Median Household Income
-11% vs state ZIP avg
$18,248
Per Capita Income
22.1%
Poverty Rate
5.0%
Unemployment Rate
How ZIP 95231 ranks among California ZIPs
French Camp, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$90,417 47th percentile higher than 47% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California 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
647housing units
647
Total Housing Units
538
Occupied Units
109
Vacant Units
3.46
Avg Household Size
Occupancy Type
$455,400
Median Home Value
-41% vs state ZIP avg
$2,056
Median Rent
1974
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
+9.3%
YoY Change (2022)
255
HPI Index (2000 = 100)
+155%
Total Change Since 2000
Home values in ZIP 95231 have increased 9.3% over the past year (2022). Since 2000, this ZIP has seen +155% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2018 | +29.8% | 208 |
| 2019 | -0.1% | 207 |
| 2020 | +2.9% | 213 |
| 2021 | +9.2% | 233 |
| 2022 | +9.3% | 255 |
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 2022. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 92 business establishments in ZIP 95231, employing approximately 5,235 people with a combined annual payroll of $349,511,000.
92
Businesses
5,235
Employees
$349.5M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Transportation and warehousing | 22 | 23.9% |
| Construction | 14 | 15.2% |
| Health care and social assistance | 9 | 9.8% |
| Retail trade | 8 | 8.7% |
| Other services (except public administration) | 8 | 8.7% |
| Wholesale trade | 7 | 7.6% |
| Administrative and support and waste management and remediation services | 7 | 7.6% |
| Real estate and rental and leasing | 6 | 6.5% |
| Manufacturing | 5 | 5.4% |
| Accommodation and food services | 3 | 3.3% |
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 95231 vs 95330 →
ZIP 95231 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95206
Stockton (95206)
65,004 residents
- 95207
Stockton (95207)
47,965 residents
- 95336
Manteca (95336)
42,675 residents
- 95205
Stockton (95205)
38,069 residents
- 95337
Manteca (95337)
31,557 residents
- 95204
Stockton (95204)
27,786 residents
- 95330 17,853
Lathrop (95330)
17,853 residents
- 95203 15,696
Stockton (95203)
15,696 residents
- 95202 6,521
Stockton (95202)
6,521 residents
What this shows Among its immediate neighbors, ZIP 95231 ranks #0 by population - useful context the national average alone can't give.
ZIP 95231 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95330
Lathrop (95330)
$125,421 median income
- 95337
Manteca (95337)
$117,137 median income
- 95231
French Camp (95231)
$90,417 median income
- 95336
Manteca (95336)
$89,172 median income
- 95206
Stockton (95206)
$83,432 median income
- 95204
Stockton (95204)
$75,548 median income
- 95207
Stockton (95207)
$69,455 median income
- 95203
Stockton (95203)
$63,411 median income
- 95205
Stockton (95205)
$60,325 median income
What this shows By household income, ZIP 95231 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95330 | Lathrop, CA | 17,853 | 4.3 mi |
| 95202 | Stockton, CA | 6,521 | 5.9 mi |
| 95203 | Stockton, CA | 15,696 | 5.9 mi |
| 95205 | Stockton, CA | 38,069 | 6.5 mi |
| 95211 | Stockton, CA | 1,545 | 7.4 mi |
| 95204 | Stockton, CA | 27,786 | 7.1 mi |
| 95336 | Manteca, CA | 42,675 | 5.8 mi |
| 95207 | Stockton, CA | 47,965 | 9.1 mi |
| 95206 | Stockton, CA | 65,004 | 7.7 mi |
| 95337 | Manteca, CA | 31,557 | 9.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95231, 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 (4,374 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Joaquin County
Related Areas
Frequently Asked Questions
What county is ZIP code 95231 in?
ZIP code 95231 (French Camp) is located in San Joaquin County, California. San Joaquin County contains multiple ZIP codes, see the full list at /counties/san-joaquin-ca.
What is the population of ZIP code 95231?
ZIP code 95231 in French Camp, CA has a population of 4,374 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95231?
The median household income in ZIP 95231 is $90,417, which is 19% above the national average of $76,288.
What is the average home value in ZIP 95231?
The median home value in ZIP 95231 is $455,400, which is 64% above the national average of $278,155.
What is the demographic makeup of ZIP 95231?
The largest racial group in ZIP 95231 is Two or More Ethnicities at 37.3%. Hispanic or Latino residents make up 56.4% of the population.
How many businesses are in ZIP code 95231?
ZIP code 95231 has 92 business establishments employing approximately 5,235 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95231?
The top industries by establishment count in ZIP 95231 are: Transportation and warehousing (22), Construction (14), Health care and social assistance (9). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 95231?
According to the FHFA House Price Index, home values in ZIP 95231 increased by 9.3% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 155%. 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 95231?
In ZIP code 95231, 45.1% of residents aged 25+ have a high school diploma or higher, and 6.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 95231?
In ZIP code 95231, approximately 57.8% of occupied housing units are owner-occupied and 42.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95231?
The poverty rate in ZIP code 95231 is 22.1% 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 95231's numbers, next.
- See how ZIP 95231 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where French Camp, 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.