ZIP Code 93428 — Cambria, California

The median home in 93428 is valued at $843,400 against a median household income of $95,429, a price-to-income ratio of 8.8. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within San Luis Obispo County, 93428 ranks 14 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.0. Renting takes 24.5% of median household income (median rent $1,950 a month), under the 30% cost-burden threshold.

93428 ranks 640 of 1,558 statewide on median household income and 440 of 1,558 on median home value; its income is above the $89,889 San Luis Obispo County median. 74% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 46% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.5%, below the 10.8% statewide ZIP median. Unemployment stands at 6.7%.

With 78 residents per square mile across 77.3 square miles of land, 93428 is far less dense than the statewide ZIP median of 1,120 (rank 1,182 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.