Residential delivery area · California
ZIP Code 95386: Waterford, CA
ZIP code 95386 uses the postal name Waterford, California and lies entirely in Stanislaus County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $73,196 (Census Bureau, ACS 2020-2024). By Census place, 3% of its land lies in Waterford; 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Waterford · its only residential ZIP
- County
- Stanislaus County
- Census places
- Waterford
- Metro area
- Modesto, CA
- House district
- CA-5 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 94.7 sq mi · 113 people per sq mi
Where is ZIP code 95386?
95386 centers on 37.667°, -120.622° and covers 94.7 square miles of land plus 3.7 of water. It borders 5 ZIP codes: 95323, 95329, 95361, 95326, 95357.
The map draws ZIP code areas only. For the streets inside 95386, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 95386 compare with the rest of Stanislaus County?
| Measure | 95386 | In Stanislaus County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 10,666 | 16th of 27 | 996th of 1,802 |
| Median household income | $73k | 16th of 19 | 931st of 1,189 |
| Median home value | $417k | 19th of 23 | 1,060th of 1,317 |
Its median household income is higher than in 52% of U.S. residential ZIP codes, and it is denser than 56% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 95386?
The 2020 Census counted 10,750 people in 95386; the ACS, which samples households over 2020-2024, estimates 10,666. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 10,666
- 2020 Census count
- 10,750
- Households
- 3,090
- Median age
- 33.5
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 95386?
Of the 10,666 people the ACS estimates in 95386, 25.4% are under 18 and 9.9% are 65 or older. The largest group by race and Hispanic origin is Hispanic or Latino (47.1%), then White (not Hispanic) (46.7%).
- Under 1825.4%
- 18 to 6464.7%
- 65 and older9.9%
- Hispanic or Latino47.1%
- White, not Hispanic46.7%
- Other or two or more3.1%
- Asian, not Hispanic2.6%
- Black, not Hispanic0.5%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 95386 earn?
Median household income is $73,196 (ACS 2020-2024), the 16th highest of the 19 ranked ZIP codes in Stanislaus County.
- Median household income
- $73,196±$12,534
- Income per person
- $29,403
- Below the poverty line
- 15.7%
- Unemployed (of the labor force)
- 7.1%
- Adults 25+ with a bachelor's degree
- 10.7%
- Adjusted gross income per tax return, 2022
- $66,3714,540 returns; wages 77% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 95386?
FHFA's house price index for 95386, built from repeat sales and appraisals of the same homes, rose 124% from 2015 to 2025 and rose 44% from 2020 to 2025, and moved +9.1% in 2025.
- Median home value (owners' estimate)
- $416,500
- Median gross rent
- $1,593
- Homes owned by their occupants
- 57.4%
- Housing units
- 3,273
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 95386?
119 business establishments had a location in this ZIP code in 2023, 22 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade23
- Construction21
- Accommodation and food services12
- Other services (except public administration)11
- Professional, scientific, and technical services8
- Health care and social assistance8
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 95386?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95323 | Hickman | 1,644 | $76k | 5.5 mi |
| 95329 | La Grange | 2,954 | $80k | 11.2 mi |
| 95361 | Oakdale | 34,810 | $93k | 12.4 mi |
| 95326 | Hughson | 10,593 | $88k | 13.9 mi |
| 95357 | Modesto | 13,599 | $96k | 14.5 mi |
| 95316 | Denair | 8,022 | $98k | 9.2 mi (near) |
| 95303 | Ballico | 784 | $144k | 13.9 mi (near) |
| 95327 | Jamestown | 8,752 | $68k | 14.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.