PlainZIP

Gustine, CA · standard

ZIP Code 95322

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

8,942
20/sq mi
$65,761
Median income
$444,100
Median home value
7.8%
Bachelor's or higher

The verdict

Gustine pairs a below-median household income with upper-quartile home values, in a rural, mixed-tenure area.

40th pct
household income, US ZIPs
Top 17%
home value, US ZIPs
20
people per sq mi
55%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95322 against every reporting US ZIP.

ZIP code 95322 is classified by USPS as a standard delivery area and covers roughly 451.6 square miles in Gustine, Merced County, California. The area is home to 8,942 residents, producing a population density of 20 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 95322 against California and the nation.

On the economic side, the median household income for ZIP 95322 sits at $65,761 (35% below the California average), while per-capita income is $30,709. The poverty rate stands at 5.6% and the unemployment rate at 11.0%. On housing, the median home value is $444,100 (43% below the state average) with median rent at $1,321 per month, and 54.7% of occupied units are owner-occupied, a direct signal of whether 95322 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 7.8% of adults hold a bachelor's degree or higher, the median age is 40.7, and the average commute is 36 minutes. Use the benchmarks above to see where 95322 sits relative to California and the national baseline rather than viewing the numbers in isolation. 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 95322

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 95322.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95322, Gustine, 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

8,942

Population

451.6

Area (sq mi)

20

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 95322?

40.7

Median Age

55.0%

Male

45.0%

Female

31.7%

Foreign-Born

White 36.4%
African American 0.5%
Asian 2.8%
American Indian or Alaska Native 2.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 16.1%
Hispanic or Latino 62.7%

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?

$65,761

Median Household Income

-35% vs state

$30,709

Per Capita Income

5.6%

Poverty Rate

11.0%

Unemployment Rate

36.3 min

Mean Commute Time

How ZIP 95322 ranks nationally

Household income vs. every US ZIP code

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

$65,761 40th percentile higher than 40% 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 44.7%
Bachelor's Degree or Higher 7.8%

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

What does housing look like?

3,985

Total Housing Units

3,602

Occupied Units

383

Vacant Units

2.64

Avg Household Size

Occupancy Type

Owner 54.7%
Renter 45.3%

$444,100

Median Home Value

-43% vs state

$1,321

Median Rent

1991

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

-1.1%

YoY Change (2024)

274

HPI Index (2000 = 100)

+174%

Total Change Since 2000

Home values in ZIP 95322 have decreased 1.1% over the past year (2024). Since 2000, this ZIP has seen +174% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.7% 198
2021 +19.0% 235
2022 +12.8% 265
2023 +4.6% 277
2024 -1.1% 274

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 117 business establishments in ZIP 95322, employing approximately 1,789 people with a combined annual payroll of $90,946,000.

117

Businesses

1,789

Employees

$90.9M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 24 20.5%
Retail trade 21 17.9%
Construction 13 11.1%
Other services (except public administration) 10 8.6%
Transportation and warehousing 9 7.7%
Professional, scientific, and technical services 8 6.8%
Finance and insurance 5 4.3%
Administrative and support and waste management and remediation services 5 4.3%
Health care and social assistance 5 4.3%
Manufacturing 4 3.4%
Real estate and rental and leasing 4 3.4%
Agriculture, forestry, fishing and hunting 3 2.6%
Arts, entertainment, and recreation 3 2.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

More ZIP Codes in Merced County

93635 standard
Los Banos, CA
Pop: 38,776
95301 standard
Atwater, CA
Pop: 37,073
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

Related Areas

Merced County Gustine, CA California

Frequently Asked Questions

What county is ZIP code 95322 in? ▼
ZIP code 95322 (Gustine) 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 95322? ▼
ZIP code 95322 in Gustine, CA has a population of 8,942 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95322? ▼
The median household income in ZIP 95322 is $65,761, which is 14% below the national average of $76,288.
What is the average home value in ZIP 95322? ▼
The median home value in ZIP 95322 is $444,100, which is 60% above the national average of $278,155.
What is the demographic makeup of ZIP 95322? ▼
The largest racial group in ZIP 95322 is White at 36.4%. Hispanic or Latino residents make up 62.7% of the population.
How many businesses are in ZIP code 95322? ▼
ZIP code 95322 has 117 business establishments employing approximately 1,789 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95322? ▼
The top industries by establishment count in ZIP 95322 are: Accommodation and food services (24), Retail trade (21), Construction (13). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 95322? ▼
According to the FHFA House Price Index, home values in ZIP 95322 decreased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 174%. 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 95322? ▼
In ZIP code 95322, 44.7% of residents aged 25+ have a high school diploma or higher, and 7.8% 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 95322? ▼
The mean commute time for workers in ZIP code 95322 is 36.3 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 95322? ▼
In ZIP code 95322, approximately 54.7% of occupied housing units are owner-occupied and 45.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95322? ▼
The poverty rate in ZIP code 95322 is 5.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Gustine, CA

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

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