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 High-density area
- $115,803
- Median income Above-median income area
- $651,400
- Median home value Above-median home value
- 45.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95628 (Fair Oaks, CA) rose +2.3% from 2023 to 2024. The all-transactions index moved from 284.1 in 2023 to 290.4 in 2024 (2000 = 100).
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 average California ZIP), while per-capita income is $56,278. The poverty rate is 7.3%, with unemployment at 6.7%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $651,400 (16% below the average California ZIP), and median rent is $1,983; owner occupancy is 71.6%.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Sacramento County, so 95628 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 95628
Top 5 sectors by establishment count in Fair Oaks, CA
Which industries have the most business establishments in ZIP 95628.
- Health care and social assistance
Health care and social assistance
158 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
135 establishments
- Construction
Construction
117 establishments
- Other services (except public administration)
Other services (except public administration)
99 establishments
- Retail trade
Retail trade
87 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 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
Who lives in ZIP 95628?
43.3
Median Age
48.7%
Male
51.3%
Female
13.2%
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?
$115,803
Median Household Income
+14% vs state ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,570housing units
17,570
Total Housing Units
17,008
Occupied Units
562
Vacant Units
2.59
Avg Household Size
Occupancy Type
$651,400
Median Home Value
-16% vs state ZIP avg
$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.
- 95630
Folsom (95630)
72,180 residents
- 95608
Carmichael (95608)
59,418 residents
- 95670
Rancho Cordova (95670)
52,973 residents
- 95610
Citrus Heights (95610)
44,147 residents
- 95628
Fair Oaks (95628)
40,196 residents
- 95621
Citrus Heights (95621)
39,819 residents
- 95842
Sacramento (95842)
31,806 residents
- 95662
Orangevale (95662)
31,558 residents
- 95661
Roseville (95661)
29,791 residents
What this shows Among its immediate neighbors, ZIP 95628 ranks #5 by population - useful context the national average alone can't give.
ZIP 95628 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95655
Mather (95655)
$143,958 median income
- 95630
Folsom (95630)
$139,642 median income
- 95628
Fair Oaks (95628)
$115,803 median income
- 95661
Roseville (95661)
$105,925 median income
- 95662
Orangevale (95662)
$96,689 median income
- 95670
Rancho Cordova (95670)
$89,484 median income
- 95608
Carmichael (95608)
$86,563 median income
- 95610
Citrus Heights (95610)
$83,327 median income
- 95621
Citrus Heights (95621)
$80,901 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95628, 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 (40,196 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Sacramento County
Related Areas
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.
Related
Take this with you
What to do with ZIP 95628's numbers, next.
- See how ZIP 95628 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Fair Oaks, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.