| ZIP Code | 95386 |
|---|---|
| City | Waterford |
| State | California (CA) |
| County | Stanislaus County |
| Area Code | 209/350 |
| Elevation | 263 ft |
| Latitude | 37.66729 |
|---|---|
| Longitude | -120.622092 |
| Timezone | Los Angeles (DST) |
| FIPS | 06099 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 32.0 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 3.58 |
| Below Poverty | 14.5% ▲ 45% above avg |
| College Grads | 19.8% ▼ 49% below avg |
| Unemployment | 5.5% ▲ 13% above avg |
| No HS Diploma | 412 (8.2%) |
| HS Graduate | 2,314 (46%) |
| Some College | 566 (11.3%) |
| Associates | 740 (14.7%) |
| Bachelors | 409 (8.1%) |
| Graduate Degree | 586 (11.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $71,336 ≈ Avg ↑ 17% since 2019 |
|---|---|
| Median Home Value | $391,100 ▲ 40% above avg ↑ 49% since 2019 |
| Home/Income Ratio | 5.5x (nat avg ~3.5x) |
| Median Rent | $1,543/mo ↑ 36% since 2019 |
| Total Units | 3,179 |
| Vacant Units | 271 |
| Avg HH Size | 3.58 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,179 |
|---|---|
| Vacant | 271 |
| Owner Occupied | 55.5% |
| Renter Occupied | 44.5% |
| Avg HH Size | 3.58 |
ZIP code 95386 is located in Waterford, California, within Stanislaus County. With a population of 10,410, this is a lightly populated ZIP code with a relatively young community — the median age is 32 years. Economically, 95386 is a solidly middle-class ZIP code: the median household income of $71,336 is near the national average.
Real estate in ZIP code 95386 represents a mid-range housing market. The median home value of $391,100 is above the national average. Renters can expect to pay around $1,543 per month in median rent. The area has a relatively balanced mix of owners (55.5%) and renters (44.5%). Median home values have increased by 49% since 2019.
The population of 95386 is majority Hispanic (50.55%). Residents are less-educated — 19.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 14.5%. Household income has grown by 17% since 2019.
The unemployment rate in 95386 stands at 5.5%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 75%.
Overall, ZIP code 95386 in Waterford, CA is characterized as solidly middle-class, less-educated, and a relatively young community. With 10,410 residents, a median household income of $71,336, and a median home value of $391,100, it offers a clear picture of life in this part of California.