ZIP Code 93465 — Templeton, California

The median home in 93465 is valued at $808,200 against a median household income of $128,684, a price-to-income ratio of 6.3. That is below 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, 93465 ranks 3 of 19 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.0. Renting takes 23.6% of median household income (median rent $2,533 a month), under the 30% cost-burden threshold.

93465 ranks 270 of 1,558 statewide on median household income and 486 of 1,558 on median home value; its income is above the $89,889 San Luis Obispo County median. 78% of households own their home, above 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 3.6%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 6.0%.

With 116 residents per square mile across 84.6 square miles of land, 93465 is far less dense than the statewide ZIP median of 1,120 (rank 1,119 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.