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California ZIP Codes
San Mateo County
Montara, CA
94037
94037 ZIP Code — Montara, CA
San Mateo County, California
ZIP code 94037 is located in
Montara ,
California ,
within San Mateo County .
It covers approximately 5.50 square miles and serves a population of
2,649 residents.
This is a standard ZIP code in the Pacific (PT) timezone,
served by area code 650 .
About ZIP code 94037
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $1,400,400. Owner-occupancy is high at 90%, well above the national average.
The gap between median ($184,692) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 34% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average. Remote work is prevalent — 34% of workers work from home.
Educational attainment is high — 62% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Notable community characteristics include disability rates above the national average at 23%.
Overall, ZIP code 94037 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.
94037 ZIP code map
View map of 94037
Cities in ZIP code 94037
Below are the cities the US Postal Service accepts for ZIP code 94037. Using any city not on this list may result in mail delivery delays.
Demographics
updated 06/2026
Population
Total population
2,649
Population density
482 / sq mi
State FIPS
06
County FIPS
081
Geography
Land area
5.50 sq mi
Water area
0.00 sq mi
Latitude
37.5424
Longitude
-122.5085
Timezone
Pacific (PT)
Area code
650
Economics
updated 06/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
4.3%
18.4%
32.6%
$50k – $100k
23.9%
20.5%
27.7%
$100k – $200k
24.1%
30.5%
26.4%
Over $200k
47.6%
30.6%
13.3%
Demographics & statistics
$184,692
Median household income
$1,400,400
Median home value
62.2%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 154 5.8% 18 and over 2,495 94.2% 65 and over 914 34.5% Median age 59.1 years
Race & ethnicity
Group Count % White 2,222 73.2% Hispanic or Latino 386 12.7% Two or more races 380 12.5% Asian 41 1.4% Other race 6 0.2%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
4.3%
18.4%
32.6%
$50k – $100k
23.9%
20.5%
27.7%
$100k – $200k
24.1%
30.5%
26.4%
Over $200k
47.6%
30.6%
13.3%
Range % of households $50k–$75k 6.0% $75k–$100k 12.9% $100k–$150k 14.5% $150k–$200k 20.5% $200k+ 46.1% Median income $184,692
Housing
Housing overview
Metric Value Median home value $1,400,400 Median rent / month $0 Owner occupied 89.9% Renter occupied 10.1% Vacant 12.0% Single-family detached 95.9% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 6.9 Avg household size (owned) 2.60
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 1.1% 1990–1999 4.4% 1980–1989 28.2% 1970–1979 39.1% 1960–1969 6.0% 1950–1959 8.3% 1940–1949 0.0% 1939 or earlier 12.9%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 4.1% 2 bedrooms 6.3% 3 bedrooms 42.8% 4 bedrooms 44.0% 5+ bedrooms 2.9%
Vehicles per household
Vehicles % of households No vehicle 0.0% 1 vehicle 18.5% 2 vehicles 47.6% 3 or more 33.9%
Heating fuel
Fuel type % Utility gas 70.9% Electricity 23.8% Propane / LP gas 5.3%
Households & families
Household type Count % Married-couple family 640 62.0% Cohabiting couple 51 4.9% Male householder, no spouse 78 7.6% Female householder, no spouse 264 25.6% Households with children under 18 102 9.9% Households with seniors (65+) 633 61.3% Average household size 2.55
Marital status
Status Male Female Never married 36.9% 24.8% Married 50.4% 54.1% Separated 0.0% 2.7% Widowed 2.9% 3.1% Divorced 9.8% 15.2%
Education
Some college, no degree
18.9%
Graduate / professional
36.6%
Metric % HS diploma or higher 96.3% Bachelor's or higher 62.2%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 31 5.6% Kindergarten 32 5.8% Elementary school 0 0.0% High school 6 1.1% College / grad school 481 87.5%
Employment
Industry of employment
Education & healthcare
36.9%
Professional & management
26.3%
Transportation & utilities
2.5%
Arts, food & hospitality
2.1%
Occupation
Category % Management, business & arts 76.4% Service 0.0% Sales & office 18.5% Natural resources & construction 2.6% Production & transportation 2.5%
Employment type
Type % Private sector 71.2% Government 18.2% Self-employed 10.6% Unpaid family workers 0.0%
Commute
Method % Drive alone 58.6% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 34.1% Other means 7.3% Avg commute (minutes) 26.4
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 33.5% Retirement income 47.0% Supplemental Security 0.0% Cash public assistance 9.2% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 23.7% High blood pressure 26.5% High cholesterol 33.6% Diabetes 7.9% Heart disease 4.9% Stroke 2.2% Asthma 9.2% Arthritis 21.1% Kidney disease 2.4% Pulmonary disease 5.0% Cancer 6.9%
Behavior / access % Smoking 9.4% Binge drinking 18.5% No physical activity 14.1% Less than 7 hrs sleep 27.5% Depression 16.6% Fair or poor health 9.9% Poor mental health 12.4% Poor physical health 8.2% No health insurance 6.5% Visited doctor (checkup) 68.5% Visited dentist 76.0% Cholesterol screening 94.2% Teeth loss 6.6%
Veterans & disability
Veterans Count % Civilian veterans 39 1.6%
Disability % Any disability 22.5% Under 18 0.0% 18–64 years 21.6% 65 and over 27.8%
Health insurance coverage
Type % Private insurance 84.1% Public insurance 45.3% No insurance 2.3% Uninsured under 19 28.4%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 2,533 95.6% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 2,322 87.7% Born in same state 2,180 82.3% Born in different state 1,659 62.6% Foreign born 142 5.4% Naturalized citizen 327 12.3% Not a US citizen 261 79.8%
Ancestry
Ancestry Count % French 782 29.5% Italian 210 7.9% Irish 203 7.7%
Ancestry Count % Polish 108 4.1% Arab 70 2.6% English 35 1.3%
Technology access
Metric % of households Computer access 39.0% Internet access 100.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 94037
What city is ZIP code 94037 in?
ZIP code 94037 is primarily assigned to Montara, California.
What county is ZIP code 94037 in?
ZIP code 94037 falls within San Mateo County, California.
Does ZIP code 94037 have an older population?
35% of residents in ZIP code 94037 are 65 or older, above the national average of ~17%.
How educated is the population of ZIP code 94037?
62% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 94037 mostly owner-occupied?
90% of occupied units in ZIP code 94037 are owner-occupied, well above the national average.
What is the median household income in ZIP code 94037?
The median household income in ZIP code 94037 is $184,692, above the national median of ~$75,000.
What timezone is ZIP code 94037 in?
ZIP code 94037 observes the PST timezone.
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