ZIP Code 93430 — Cayucos, California

The median home in 93430 is valued at $940,600 against a median household income of $82,799, a price-to-income ratio of 11.4. That is far 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, which means a household earning the local median income cannot finance the local median home on conventional terms. Within San Luis Obispo County, 93430 ranks 17 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.0. Renting takes 22.4% of median household income (median rent $1,549 a month), under the 30% cost-burden threshold.

93430 ranks 845 of 1,558 statewide on median household income and 361 of 1,558 on median home value; its income is below the $89,889 San Luis Obispo County median. 60% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 43% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 9.8%, below the 10.8% statewide ZIP median. Unemployment stands at 1.7%.

With 41 residents per square mile across 71.7 square miles of land, 93430 is far less dense than the statewide ZIP median of 1,120 (rank 1,262 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.