ZIP Code 95628

ZIP code 95628 is classified by USPS as a standard delivery area and covers roughly 33.3 square miles in Fair Oaks, Sacramento County, California. The area is home to 40,196 residents, producing a population density of 1,208 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 95628 against California and the nation.

On the economic side, the median household income for ZIP 95628 sits at $115,803 (14% above the California average), while per-capita income is $56,278. The poverty rate stands at 7.3% and the unemployment rate at 6.7%. On housing, the median home value is $651,400 (16% below the state average) with median rent at $1,983 per month, and 71.6% of occupied units are owner-occupied, a direct signal of whether 95628 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 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 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 →