PlainZIP

Fair Oaks, CA · standard

ZIP Code 95628

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

40,196
1,208/sq mi
$115,803
Median income
$651,400
Median home value
45.6%
Bachelor's or higher

The verdict

Fair Oaks pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 11%
household income, US ZIPs
Top 8%
home value, US ZIPs
1,208
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95628 against every reporting US ZIP.

ZIP code 95628 is a densely settled ZIP (a standard USPS delivery area) in Fair Oaks, Sacramento County, California, with 40,196 residents across 33.3 square miles, a density of 1,208 people per square mile, in the Los Angeles time zone.

ZIP 95628 skews affluent, with a median household income of $115,803 (14% above the California average), while per-capita income is $56,278. 7.3% of residents live below the poverty line, and the unemployment rate reads 6.7%. The typical home here is valued at $651,400 (16% below the state average); renters pay a median of $1,983 monthly, and 71.6% of units are owner-occupied.

A solid share of residents have a four-year degree: 45.6% of adults hold a bachelor's degree or higher, the median age is 43.3, and the average commute is 29 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Sacramento County, so you can benchmark 95628 against its immediate geography rather than a national average alone.

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 95628

Top 5 sectors by establishment count in Fair Oaks, CA

Which industries have the most business establishments in ZIP 95628.

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 95628, Fair Oaks, 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

40,196

Population

33.3

Area (sq mi)

1,208

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 95628?

43.3

Median Age

48.7%

Male

51.3%

Female

13.2%

Foreign-Born

White 74.2%
African American 1.7%
Asian 5.1%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 13.6%
Hispanic or Latino 13.7%

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?

$115,803

Median Household Income

+14% vs state

$56,278

Per Capita Income

7.3%

Poverty Rate

6.7%

Unemployment Rate

28.7 min

Mean Commute Time

How ZIP 95628 ranks nationally

Fair Oaks, CA household income vs. every US ZIP code

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

$115,803 Top 11% higher than 89% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 61.9%
Bachelor's Degree or Higher 45.6%

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

What does housing look like?

17,570

Total Housing Units

17,008

Occupied Units

562

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 71.6%
Renter 28.4%

$651,400

Median Home Value

-16% vs state

$1,983

Median Rent

1975

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

+2.3%

YoY Change (2024)

290

HPI Index (2000 = 100)

+190%

Total Change Since 2000

Home values in ZIP 95628 have increased 2.3% over the past year (2024). Since 2000, this ZIP has seen +190% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.2% 220
2021 +13.9% 251
2022 +13.7% 285
2023 -0.4% 284
2024 +2.3% 290

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 943 business establishments in ZIP 95628, employing approximately 7,296 people with a combined annual payroll of $326,154,000.

943

Businesses

7,296

Employees

$326.2M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Health care and social assistance 158 16.8%
Professional, scientific, and technical services 135 14.3%
Construction 117 12.4%
Other services (except public administration) 99 10.5%
Retail trade 87 9.2%
Real estate and rental and leasing 72 7.6%
Accommodation and food services 70 7.4%
Finance and insurance 63 6.7%
Administrative and support and waste management and remediation services 53 5.6%
Transportation and warehousing 21 2.2%
Educational services 20 2.1%
Wholesale trade 15 1.6%
Arts, entertainment, and recreation 13 1.4%
Information 12 1.3%
Manufacturing 6 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 95628 vs 95610 →

ZIP 95628 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 95628 ranks #5 by population - useful context the national average alone can't give.

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

ZIP 95628 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 95628 ranks #3 of 9 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
95610 Citrus Heights, CA 44,147 3.1 mi
95662 Orangevale, CA 31,558 3.2 mi
95670 Rancho Cordova, CA 52,973 3.5 mi
95661 Roseville, CA 29,791 6.2 mi
95621 Citrus Heights, CA 39,819 4.2 mi
95608 Carmichael, CA 59,418 4.4 mi
95841 Sacramento, CA 19,448 5.1 mi
95655 Mather, CA 4,314 7.2 mi
95630 Folsom, CA 72,180 6.2 mi
95842 Sacramento, CA 31,806 5.7 mi

More ZIP Codes in Sacramento County

95823 standard
Sacramento, CA
Pop: 73,985
95630 standard
Folsom, CA
Pop: 72,180
95624 standard
Elk Grove, CA
Pop: 61,989
95758 standard
Elk Grove, CA
Pop: 60,435
95608 standard
Carmichael, CA
Pop: 59,418
95828 standard
Sacramento, CA
Pop: 57,862

Related Areas

Sacramento County Fair Oaks, CA California

Frequently Asked Questions

What county is ZIP code 95628 in? ▼
ZIP code 95628 (Fair Oaks) is located in Sacramento County, California. Sacramento County contains multiple ZIP codes, see the full list at /counties/sacramento-ca.
What is the population of ZIP code 95628? ▼
ZIP code 95628 in Fair Oaks, CA has a population of 40,196 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95628? ▼
The median household income in ZIP 95628 is $115,803, which is 52% above the national average of $76,288.
What is the average home value in ZIP 95628? ▼
The median home value in ZIP 95628 is $651,400, which is 134% above the national average of $278,155.
What is the demographic makeup of ZIP 95628? ▼
The largest racial group in ZIP 95628 is White at 74.2%. Hispanic or Latino residents make up 13.7% of the population.
How many businesses are in ZIP code 95628? ▼
ZIP code 95628 has 943 business establishments employing approximately 7,296 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95628? ▼
The top industries by establishment count in ZIP 95628 are: Health care and social assistance (158), Professional, scientific, and technical services (135), Construction (117). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 95628? ▼
According to the FHFA House Price Index, home values in ZIP 95628 increased by 2.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 190%. 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 95628? ▼
In ZIP code 95628, 61.9% of residents aged 25+ have a high school diploma or higher, and 45.6% 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 95628? ▼
The mean commute time for workers in ZIP code 95628 is 28.7 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 95628? ▼
In ZIP code 95628, approximately 71.6% of occupied housing units are owner-occupied and 28.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95628? ▼
The poverty rate in ZIP code 95628 is 7.3% 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.