PlainZIP

Atwater, CA · standard

ZIP Code 95301

Merced County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

37,073
230/sq mi
$68,349
Median income
$390,900
Median home value
14.7%
Bachelor's or higher

The verdict

Atwater pairs a below-median household income with upper-quartile home values, in a low-density, mixed-tenure area.

44th pct
household income, US ZIPs
Top 22%
home value, US ZIPs
230
people per sq mi
57%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95301 against every reporting US ZIP.

ZIP code 95301 is a densely settled ZIP (a standard USPS delivery area) in Atwater, Merced County, California, with 37,073 residents across 161.5 square miles, a density of 230 people per square mile, in the Los Angeles time zone.

ZIP 95301 reports a modest median household income of $68,349 (33% below the California average), while per-capita income is $32,303. The poverty rate stands at 19.1% and the unemployment rate at 11.2%. Housing costs here run $390,900 for a typical home value (49% below the state average), with rent averaging $1,285 a month; 56.6% of homes are owner-occupied.

Formal educational attainment runs low here: just 14.7% of adults hold a bachelor's degree or higher, the median age is 33.5, and the average commute is 27 minutes. To put 95301 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Merced County, for a geography-aware comparison.

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 95301

Top 5 sectors by establishment count in Atwater, CA

Which industries have the most business establishments in ZIP 95301.

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 95301, Atwater, 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

37,073

Population

161.5

Area (sq mi)

230

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 95301?

33.5

Median Age

51.6%

Male

48.4%

Female

20.7%

Foreign-Born

White 38.0%
African American 3.6%
Asian 7.5%
American Indian or Alaska Native 1.3%
Native Hawaiian or Pacific Islander 0.7%
Two or More Ethnicities 14.8%
Hispanic or Latino 55.6%

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?

$68,349

Median Household Income

-33% vs state

$32,303

Per Capita Income

19.1%

Poverty Rate

11.2%

Unemployment Rate

27.1 min

Mean Commute Time

How ZIP 95301 ranks nationally

Atwater, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$68,349 44th percentile higher than 44% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $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 45.3%
Bachelor's Degree or Higher 14.7%

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

What does housing look like?

12,831

Total Housing Units

12,573

Occupied Units

258

Vacant Units

3.31

Avg Household Size

Occupancy Type

Owner 56.6%
Renter 43.4%

$390,900

Median Home Value

-49% vs state

$1,285

Median Rent

1983

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

+8.9%

YoY Change (2024)

333

HPI Index (2000 = 100)

+233%

Total Change Since 2000

Home values in ZIP 95301 have increased 8.9% over the past year (2024). Since 2000, this ZIP has seen +233% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.3% 224
2021 +18.3% 265
2022 +15.4% 306
2023 -0.1% 305
2024 +8.9% 333

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 486 business establishments in ZIP 95301, employing approximately 7,209 people with a combined annual payroll of $295,216,000.

486

Businesses

7,209

Employees

$295.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 84 17.3%
Construction 74 15.2%
Accommodation and food services 52 10.7%
Health care and social assistance 51 10.5%
Transportation and warehousing 41 8.4%
Other services (except public administration) 37 7.6%
Real estate and rental and leasing 26 5.3%
Administrative and support and waste management and remediation services 23 4.7%
Finance and insurance 20 4.1%
Professional, scientific, and technical services 20 4.1%
Manufacturing 16 3.3%
Wholesale trade 14 2.9%
Arts, entertainment, and recreation 8 1.6%
Agriculture, forestry, fishing and hunting 7 1.4%
Information 6 1.2%
Educational services 3 0.6%

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 95301 vs 95312 →

ZIP 95301 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 95301 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95301 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 95301 ranks #4 of 7 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
95312 Cressey, CA 268 7.2 mi
95334 Livingston, CA 15,457 6.4 mi
95388 Winton, CA 13,074 7.3 mi
95341 Merced, CA 32,967 8.9 mi
95348 Merced, CA 30,805 9.1 mi
95315 Delhi, CA 13,018 10.5 mi

More ZIP Codes in Merced County

93635 standard
Los Banos, CA
Pop: 38,776
95340 standard
Merced, CA
Pop: 33,931
95341 standard
Merced, CA
Pop: 32,967
95348 standard
Merced, CA
Pop: 30,805
95334 standard
Livingston, CA
Pop: 15,457
95388 standard
Winton, CA
Pop: 13,074

Related Areas

Merced County Atwater, CA California

Frequently Asked Questions

What county is ZIP code 95301 in? ▼
ZIP code 95301 (Atwater) is located in Merced County, California. Merced County contains multiple ZIP codes, see the full list at /counties/merced-ca.
What is the population of ZIP code 95301? ▼
ZIP code 95301 in Atwater, CA has a population of 37,073 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95301? ▼
The median household income in ZIP 95301 is $68,349, which is 10% below the national average of $76,288.
What is the average home value in ZIP 95301? ▼
The median home value in ZIP 95301 is $390,900, which is 41% above the national average of $278,155.
What is the demographic makeup of ZIP 95301? ▼
The largest racial group in ZIP 95301 is White at 38.0%. Hispanic or Latino residents make up 55.6% of the population.
How many businesses are in ZIP code 95301? ▼
ZIP code 95301 has 486 business establishments employing approximately 7,209 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95301? ▼
The top industries by establishment count in ZIP 95301 are: Retail trade (84), Construction (74), Accommodation and food services (52). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 95301? ▼
According to the FHFA House Price Index, home values in ZIP 95301 increased by 8.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 233%. 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 95301? ▼
In ZIP code 95301, 45.3% of residents aged 25+ have a high school diploma or higher, and 14.7% 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 95301? ▼
The mean commute time for workers in ZIP code 95301 is 27.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95301? ▼
In ZIP code 95301, approximately 56.6% of occupied housing units are owner-occupied and 43.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95301? ▼
The poverty rate in ZIP code 95301 is 19.1% 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.