ZIP Code 93445 — Oceano, California

The median home in 93445 is valued at $491,100 against a median household income of $73,293, a price-to-income ratio of 6.7. That is in line with 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, 93445 ranks 4 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.0. Renting takes 21.3% of median household income (median rent $1,301 a month), under the 30% cost-burden threshold.

93445 ranks 1,010 of 1,558 statewide on median household income and 938 of 1,558 on median home value; its income is below the $89,889 San Luis Obispo County median. 64% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 14.2%, above the 10.8% statewide ZIP median. Unemployment stands at 3.5%.

With 407 residents per square mile across 17 square miles of land, 93445 is far less dense than the statewide ZIP median of 1,120 (rank 932 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.