94945 ZIP Code — Novato, CA

Marin County, California

ZIP code 94945 is located in Novato, California, within Marin County. It covers approximately 23.30 square miles and serves a population of 17,309 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 415/628.

About ZIP code 94945

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 $1,038,900. Owner-occupancy sits near the national average at 73%.

The gap between median ($115,000) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 41% 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 30 minutes is near the national average.

Educational attainment is high — 53% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 94945 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

17,309

population

23.30

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94945 ZIP code map

Cities in ZIP code 94945

Below are the cities the US Postal Service accepts for ZIP code 94945. Using any city not on this list may result in mail delivery delays.

City	Status
Novato	Acceptable
Novato	Preferred

Nearby ZIP codes

94998 Novato (1.8 mi) 94947 Novato (4 mi) 94949 Novato (4.3 mi) 94954 Petaluma (6.3 mi) 94903 San Rafael (7.4 mi) 94999 Petaluma (8.3 mi) 95476 Sonoma (9.3 mi) 94960 San Anselmo (9.7 mi) 94946 Nicasio (10.4 mi) 94901 San Rafael (11.3 mi) 94901 San Rafael (11.3 mi) 94592 Vallejo (12.5 mi)

Demographics updated 06/2026

Population
Total population	17,309
Population density	743 / sq mi
State FIPS	06
County FIPS	041

Geography
Land area	23.30 sq mi
Water area	0.52 sq mi
Latitude	38.1311
Longitude	-122.5528
Timezone	Pacific (PT)
Area code	415/628

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.8%	21.4%	32.6%
$50k – $100k	22.8%	21.0%	27.7%
$100k – $200k	30.1%	27.8%	26.4%
Over $200k	25.4%	29.8%	13.3%

Demographics & statistics

17,309

Population

743

People per sq mi

51.8

Median age

$115,000

Median household income

$68,815

Per capita income

$1,038,900

Median home value

$2,111

Median monthly rent

73.1%

Home ownership

6.7%

Poverty rate

5.2%

Unemployment

5,472

Housing units

52.8%

Bachelor's or higher

Age distribution

Male Female

361

Under 5

345

343

5–9

329

597

10–14

572

520

15–19

498

268

20–24

256

613

25–34

586

971

35–44

929

1,260

45–54

1,205

735

55–59

703

814

60–64

778

1,453

65–74

1,390

565

75–84

540

346

85+

332

← Male

Female →

Age summary

Group	Count	%
Under 18	3,283	19.0%
18 and over	14,026	81.0%
65 and over	4,626	26.7%
Median age	51.8 years

Race & ethnicity

White 67.2%

Hispanic or Latino 9%

Asian 7.8%

Other race 7.1%

Two or more races 5.9%

Black or African American 2.7%

American Indian / Alaska Native 0.3%

Group	Count	%
White	12,780	67.2%
Hispanic or Latino	1,718	9%
Asian	1,493	7.8%
Other race	1,347	7.1%
Two or more races	1,114	5.9%
Black or African American	515	2.7%
American Indian / Alaska Native	53	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.8%	21.4%	32.6%
$50k – $100k	22.8%	21.0%	27.7%
$100k – $200k	30.1%	27.8%	26.4%
Over $200k	25.4%	29.8%	13.3%

Under $10k 2.9%

$10k–$15k 2.0%

$15k–$25k 6.6%

$25k–$35k 3.8%

$35k–$50k 7.3%

$50k–$75k 9.1%

$75k–$100k 13.1%

$100k–$150k 13.8%

$150k–$200k 12.6%

$200k+ 28.9%

Range	% of households
Under $10k	2.9%
$10k–$15k	2.0%
$15k–$25k	6.6%
$25k–$35k	3.8%
$35k–$50k	7.3%
$50k–$75k	9.1%
$75k–$100k	13.1%
$100k–$150k	13.8%
$150k–$200k	12.6%
$200k+	28.9%
Median income	$115,000

Housing

Home values

Under $50k 0.3%

$50k–$100k 0.2%

$100k–$150k 2.3%

$150k–$200k 0.6%

$300k–$500k 1.7%

$500k–$1M 40.8%

$1M+ 54.0%

Housing overview

Metric	Value
Median home value	$1,038,900
Median rent / month	$2,111
Owner occupied	73.1%
Renter occupied	26.9%
Vacant	2.3%
Single-family detached	72.8%
Large apartment buildings	8.5%
Mobile homes	0.8%
Median rooms	6.2
Avg household size (owned)	2.41

Year built

Era	%
2020 or later	0.0%
2010–2019	1.8%
2000–2009	13.3%
1990–1999	6.6%
1980–1989	11.4%
1970–1979	28.9%
1960–1969	19.7%
1950–1959	12.9%
1940–1949	2.3%
1939 or earlier	3.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	10.2%
2 bedrooms	16.3%
3 bedrooms	31.6%
4 bedrooms	33.3%
5+ bedrooms	6.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.5%
1 vehicle	25.5%
2 vehicles	40.9%
3 or more	30.1%

Heating fuel

Fuel type	%
Utility gas	76.4%
Electricity	19.3%
Propane / LP gas	2.7%
Wood	0.9%
Solar	0.6%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	4,170	57.5%
Cohabiting couple	339	4.7%
Male householder, no spouse	1,187	16.4%
Female householder, no spouse	1,554	21.4%
Households with children under 18	1,870	25.8%
Households with seniors (65+)	3,097	42.7%
Average household size	2.36

Marital status

Status	Male	Female
Never married	26.4%	19.4%
Married	59.2%	56.7%
Separated	1.4%	0.6%
Widowed	3.1%	7.8%
Divorced	9.9%	15.5%

Education

Less than 9th grade 4.0%

Some HS, no diploma 2.2%

HS graduate 14.9%

Some college, no degree 18.6%

Associate's degree 7.5%

Bachelor's degree 34.4%

Graduate / professional 18.4%

Metric	%
HS diploma or higher	93.7%
Bachelor's or higher	52.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	255	7.2%
Kindergarten	205	5.8%
Elementary school	1,431	40.3%
High school	1,029	29.0%
College / grad school	627	17.7%

Employment

Industry of employment

Education & healthcare 20.1%

Professional & management 16.0%

Retail trade 13.5%

Finance & real estate 8.4%

Arts, food & hospitality 7.8%

Public administration 7.3%

Construction 6.6%

Other services 5.6%

Manufacturing 4.9%

Wholesale trade 3.2%

Transportation & utilities 2.7%

Information 2.7%

Agriculture & mining 1.2%

Occupation

Category	%
Management, business & arts	52.0%
Service	15.2%
Sales & office	21.7%
Natural resources & construction	4.7%
Production & transportation	6.4%

Employment type

Type	%
Private sector	71.7%
Government	17.3%
Self-employed	10.7%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	67.0%
Carpool	6.8%
Public transit	3.9%
Walk	2.5%
Work from home	18.2%
Other means	1.6%
Avg commute (minutes)	29.9

Poverty

All people 6.7%

Under 18 years 5.4%

18 and over 7.0%

Married-couple families 2.6%

Female-led households 11.6%

Income support

Source	% of households
Social Security	40.7%
Retirement income	29.9%
Supplemental Security	3.7%
Cash public assistance	2.0%
Food stamps / SNAP	3.8%

Health indicators

Condition	%
Obesity	25.4%
High blood pressure	27.1%
High cholesterol	31.0%
Diabetes	9.3%
Heart disease	5.8%
Stroke	2.6%
Asthma	9.6%
Arthritis	23.4%
Kidney disease	2.7%
Pulmonary disease	5.8%
Cancer	7.1%

Behavior / access	%
Smoking	10.4%
Binge drinking	17.4%
No physical activity	16.7%
Less than 7 hrs sleep	28.1%
Depression	17.1%
Fair or poor health	12.0%
Poor mental health	13.0%
Poor physical health	9.2%
No health insurance	9.4%
Visited doctor (checkup)	66.5%
Visited dentist	70.7%
Cholesterol screening	93.0%
Teeth loss	8.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	947	6.8%

Disability	%
Any disability	11.5%
Under 18	0.9%
18–64 years	7.2%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	80.9%
Public insurance	36.8%
No insurance	2.5%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,603	95.9%
Spanish	1,359	8.2%
Other Indo-European	699	4.2%
Asian & Pacific Islander	115	0.7%
Other languages	398	2.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,903	80.3%
Born in same state	13,745	79.4%
Born in different state	9,705	56.1%
Foreign born	158	0.9%
Naturalized citizen	3,406	19.7%
Not a US citizen	2,442	71.7%

Ancestry

Ancestry	Count	%
French	2,399	13.9%
Italian	2,388	13.8%
Arab	478	2.8%
English	228	1.3%
Dutch	159	0.9%

Ancestry	Count	%
Polish	156	0.9%
Irish	153	0.9%
Norwegian	52	0.3%
German	46	0.3%

Technology access

Metric	% of households
Computer access	41.9%
Internet access	97.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 94945

What city is ZIP code 94945 in?

ZIP code 94945 is primarily assigned to Novato, California.

What county is ZIP code 94945 in?

ZIP code 94945 falls within Marin County, California.

Does ZIP code 94945 have an older population?

27% of residents in ZIP code 94945 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 94945?

53% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 94945 have a large retiree population?

41% of households in ZIP code 94945 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 94945?

The median home value in ZIP code 94945 is $1,038,900.

What timezone is ZIP code 94945 in?

ZIP code 94945 observes the PST timezone.