ZIP Code 94038 — Moss Beach, California

The median home in 94038 is valued at $1,080,400 against a median household income of $116,950, a price-to-income ratio of 9.2. 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 Mateo County, 94038 ranks 16 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 9.0.

94038 ranks 370 of 1,558 statewide on median household income and 261 of 1,558 on median home value; its income is below the $161,447 San Mateo County median. 94% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 52% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 5.3%, far below the 10.8% statewide ZIP median and among the lowest in the state. Unemployment stands at 0.2%.

With 536 residents per square mile across 5.9 square miles of land, 94038 is far less dense than the statewide ZIP median of 1,120 (rank 896 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.