Ripon, CA · standard
ZIP Code 95366
San Joaquin County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 16,575
- 186/sq mi High-density area
- $112,097
- Median income Above-median income area
- $707,800
- Median home value Above-median home value
- 28.2%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Ripon pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 12%
- household income, US ZIPs
- Top 6%
- home value, US ZIPs
- 186
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95366 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95366 (Ripon, CA) rose +6.0% from 2023 to 2024. The all-transactions index moved from 295.0 in 2023 to 312.9 in 2024 (2000 = 100).
ZIP code 95366 is a mid-sized community (a standard USPS delivery area) in Ripon, San Joaquin County, California, home to 16,575 residents across 89.1 square miles, a density of 186 people per square mile, in the Los Angeles time zone.
ZIP 95366 skews affluent, with a median household income of $112,097 (10% above the average California ZIP), while per-capita income is $53,349. The poverty rate is 8.4%, with unemployment at 2.7%; those measures add context to the income figure. Median home value is $707,800 (8% below the average California ZIP) and median rent is $1,846; 66.0% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 28.2% of adults hold a bachelor's degree or higher, the median age is 40.9, and the average commute is 26 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in San Joaquin County, so 95366 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 95366
Top 5 sectors by establishment count in Ripon, CA
Which industries have the most business establishments in ZIP 95366.
- Construction
Construction
57 establishments
- Retail trade
Retail trade
52 establishments
- Accommodation and food services
Accommodation and food services
45 establishments
- Other services (except public administration)
Other services (except public administration)
44 establishments
- Health care and social assistance
Health care and social assistance
35 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 95366, Ripon, 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
16,575
Population
89.1
Area (sq mi)
186
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95366?
40.9
Median Age
49.8%
Male
50.2%
Female
8.0%
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?
$112,097
Median Household Income
+10% vs state ZIP avg
$53,349
Per Capita Income
8.4%
Poverty Rate
2.7%
Unemployment Rate
26.2 min
Mean Commute Time
How ZIP 95366 ranks among California ZIPs
Ripon, 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)
$112,097 Top 33% higher than 67% 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
6,970housing units
6,970
Total Housing Units
6,736
Occupied Units
234
Vacant Units
2.79
Avg Household Size
Occupancy Type
$707,800
Median Home Value
-8% vs state ZIP avg
$1,846
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
+6.0%
YoY Change (2024)
313
HPI Index (2000 = 100)
+213%
Total Change Since 2000
Home values in ZIP 95366 have increased 6.0% over the past year (2024). Since 2000, this ZIP has seen +213% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 223 |
| 2021 | +15.1% | 257 |
| 2022 | +13.1% | 290 |
| 2023 | +1.7% | 295 |
| 2024 | +6.0% | 313 |
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 411 business establishments in ZIP 95366, employing approximately 5,188 people with a combined annual payroll of $301,846,000.
411
Businesses
5,188
Employees
$301.8M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 57 | 13.9% |
| Retail trade | 52 | 12.7% |
| Accommodation and food services | 45 | 10.9% |
| Other services (except public administration) | 44 | 10.7% |
| Health care and social assistance | 35 | 8.5% |
| Professional, scientific, and technical services | 34 | 8.3% |
| Real estate and rental and leasing | 26 | 6.3% |
| Manufacturing | 24 | 5.8% |
| Transportation and warehousing | 22 | 5.3% |
| Finance and insurance | 19 | 4.6% |
| Wholesale trade | 18 | 4.4% |
| Administrative and support and waste management and remediation services | 17 | 4.1% |
| Agriculture, forestry, fishing and hunting | 6 | 1.5% |
| Arts, entertainment, and recreation | 6 | 1.5% |
| Educational services | 3 | 0.7% |
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 95366 vs 95368 →
ZIP 95366 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95350
Modesto (95350)
51,046 residents
- 95351
Modesto (95351)
46,458 residents
- 95336
Manteca (95336)
42,675 residents
- 95358
Modesto (95358)
31,668 residents
- 95337
Manteca (95337)
31,557 residents
- 95356
Modesto (95356)
30,918 residents
- 95366 16,575
Ripon (95366)
16,575 residents
- 95368 13,614
Salida (95368)
13,614 residents
- 95320 12,819
Escalon (95320)
12,819 residents
What this shows Among its immediate neighbors, ZIP 95366 ranks #7 by population - useful context the national average alone can't give.
ZIP 95366 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95337
Manteca (95337)
$117,137 median income
- 95366
Ripon (95366)
$112,097 median income
- 95356
Modesto (95356)
$96,886 median income
- 95368
Salida (95368)
$94,935 median income
- 95336
Manteca (95336)
$89,172 median income
- 95320
Escalon (95320)
$82,572 median income
- 95358
Modesto (95358)
$76,924 median income
- 95350
Modesto (95350)
$75,621 median income
- 95351
Modesto (95351)
$58,275 median income
What this shows By household income, ZIP 95366 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95366, 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 (16,575 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 95366 in?
ZIP code 95366 (Ripon) 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 95366?
ZIP code 95366 in Ripon, CA has a population of 16,575 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95366?
The median household income in ZIP 95366 is $112,097, which is 47% above the national average of $76,288.
What is the average home value in ZIP 95366?
The median home value in ZIP 95366 is $707,800, which is 154% above the national average of $278,155.
What is the demographic makeup of ZIP 95366?
The largest racial group in ZIP 95366 is White at 69.7%. Hispanic or Latino residents make up 24.8% of the population.
How many businesses are in ZIP code 95366?
ZIP code 95366 has 411 business establishments employing approximately 5,188 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95366?
The top industries by establishment count in ZIP 95366 are: Construction (57), Retail trade (52), Accommodation and food services (45). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95366?
According to the FHFA House Price Index, home values in ZIP 95366 increased by 6.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 213%. 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 95366?
In ZIP code 95366, 56.0% of residents aged 25+ have a high school diploma or higher, and 28.2% 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 95366?
The mean commute time for workers in ZIP code 95366 is 26.2 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 95366?
In ZIP code 95366, approximately 66.0% of occupied housing units are owner-occupied and 34.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95366?
The poverty rate in ZIP code 95366 is 8.4% 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 95366's numbers, next.
- See how ZIP 95366 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.