Residential delivery area · California
ZIP Code 95628: Fair Oaks, CA
ZIP code 95628 is in Fair Oaks, California, entirely in Sacramento County (Census 2020 ZIP-county file). About 45,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $115,803 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Fair Oaks (84%) and Carmichael (11%), and 5% in smaller places.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Fair Oaks · its only residential ZIP
- County
- Sacramento County
- Census places
- Fair Oaks (84%) census-designated place; Carmichael (11%) census-designated place
- Metro area
- Sacramento-Roseville-Folsom, CA
- House districts
- CA-6 (72%), CA-3 (28%) 119th Congress, by share of land
- State
- California
- Time zone
- Pacific
- Land area
- 12.9 sq mi · 3,479 people per sq mi
Where is ZIP code 95628?
95628 centers on 38.652°, -121.254° and covers 12.9 square miles of land plus 0.4 of water. It borders 6 ZIP codes: 95610, 95662, 95670, 95621, 95608, 95630.
The map draws ZIP code areas only. For the streets inside 95628, 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 95628 compare with the rest of Sacramento County?
| Measure | 95628 | In Sacramento County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 44,855 | 12th of 56 | 305th of 1,802 |
| Median household income | $116k | 11th of 45 | 391st of 1,189 |
| Median home value | $651k | 11th of 47 | 738th of 1,317 |
Its median household income is higher than in 89% of U.S. residential ZIP codes, and it is denser than 90% 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 95628?
The 2020 Census counted 42,824 people in 95628; the ACS, which samples households over 2020-2024, estimates 44,855. Between the 2010 and 2020 censuses its population grew 6.5% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 44,855
- 2020 Census count
- 42,824+6.5% since 2010 (40,196)
- Households
- 17,008
- Median age
- 43.3
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 95628?
Of the 44,855 people the ACS estimates in 95628, 20.3% are under 18 and 22.3% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (70.6%), then Hispanic or Latino (13.7%).
- Under 1820.3%
- 18 to 6457.4%
- 65 and older22.3%
- White, not Hispanic70.6%
- Hispanic or Latino13.7%
- Other or two or more9.0%
- Asian, not Hispanic5.1%
- Black, not Hispanic1.7%
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 95628 earn?
Median household income is $115,803 (ACS 2020-2024), the 11th highest of the 45 ranked ZIP codes in Sacramento County. It rose from $105,743 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $115,803
- Income per person
- $56,278
- Below the poverty line
- 7.3%
- Unemployed (of the labor force)
- 6.7%
- Adults 25+ with a bachelor's degree
- 45.6%
- Adjusted gross income per tax return, 2022
- $111,60721,290 returns; wages 62% 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 95628?
FHFA's house price index for 95628, built from repeat sales and appraisals of the same homes, rose 77% from 2015 to 2025 and rose 34% from 2020 to 2025, and moved +1.6% in 2025.
- Median home value (owners' estimate)
- $651,400
- Median gross rent
- $1,983
- Homes owned by their occupants
- 71.6%
- Housing units
- 17,570
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 95628?
943 business establishments had a location in this ZIP code in 2023, 20 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance158
- Professional, scientific, and technical services135
- Construction117
- Other services (except public administration)99
- Retail trade87
- Real estate and rental and leasing72
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 95628?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95610 | Citrus Heights | 46,928 | $83k | 3.1 mi |
| 95662 | Orangevale | 32,600 | $97k | 3.2 mi |
| 95670 | Rancho Cordova | 58,819 | $90k | 3.6 mi |
| 95621 | Citrus Heights | 42,442 | $81k | 4.2 mi |
| 95608 | Carmichael | 61,440 | $87k | 4.5 mi |
| 95630 | Folsom | 79,484 | $140k | 6.2 mi |
| 95841 | Sacramento | 20,500 | $61k | 5.1 mi (near) |
| 95842 | Sacramento | 34,034 | $68k | 5.6 mi (near) |
| 95671 | Represa | 4,432 | $233k | 6.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.