93923 ZIP Code — Carmel, CA

Monterey County, California

ZIP code 93923 is located in Carmel, California, within Monterey County. It covers approximately 202.72 square miles and serves a population of 12,630 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 831.

About ZIP code 93923

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $1,444,200. Owner-occupancy is high at 77%, well above the national average.

The gap between median ($120,972) 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. 53% 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 19 minutes is near the national average.

Educational attainment is high — 67% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 93923 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

12,630

population

202.72

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

93923 ZIP code map

Cities in ZIP code 93923

Below are the cities the US Postal Service accepts for ZIP code 93923. Using any city not on this list may result in mail delivery delays.

City	Status
Carmel	Acceptable
Carmel	Preferred

Nearby ZIP codes

93924 Carmel Valley (9.7 mi) 93940 Monterey (11.9 mi) 93943 Monterey (13.3 mi) 93953 Pebble Beach (14.5 mi) 93950 Pacific Grove (15.7 mi) 93955 Seaside (15.7 mi) 93933 Marina (18.8 mi) 93901 Salinas (19 mi) 93908 Salinas (19.7 mi)

Demographics updated 05/2026

Population
Total population	12,630
Population density	62 / sq mi
State FIPS	06
County FIPS	053

Geography
Land area	202.72 sq mi
Water area	0.69 sq mi
Latitude	36.4133
Longitude	-121.7997
Timezone	Pacific (PT)
Area code	831

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.7%	31.5%	32.6%
$50k – $100k	22.9%	32.1%	27.7%
$100k – $200k	25.8%	25.4%	26.4%
Over $200k	27.6%	11.0%	13.3%

Demographics & statistics

12,630

Population

People per sq mi

59.0

Median age

$120,972

Median household income

$93,915

Per capita income

$1,444,200

Median home value

$2,257

Median monthly rent

77.4%

Home ownership

7.3%

Poverty rate

4.3%

Unemployment

5,794

Housing units

66.8%

Bachelor's or higher

Age distribution

Male Female

182

Under 5

206

218

5–9

248

296

10–14

337

319

15–19

363

20–24

303

25–34

343

525

35–44

595

685

45–54

777

425

55–59

483

558

60–64

633

1,150

65–74

1,305

770

75–84

875

400

85+

455

← Male

Female →

Age summary

Group	Count	%
Under 18	2,032	16.1%
18 and over	10,598	83.9%
65 and over	4,955	39.2%
Median age	59.0 years

Race & ethnicity

White 76.6%

Two or more races 8.9%

Hispanic or Latino 6%

Asian 5.7%

Other race 1.4%

Native Hawaiian / Pacific Islander 0.7%

Black or African American 0.6%

Group	Count	%
White	10,300	76.6%
Two or more races	1,197	8.9%
Hispanic or Latino	812	6%
Asian	772	5.7%
Other race	192	1.4%
Native Hawaiian / Pacific Islander	95	0.7%
Black or African American	74	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.7%	31.5%	32.6%
$50k – $100k	22.9%	32.1%	27.7%
$100k – $200k	25.8%	25.4%	26.4%
Over $200k	27.6%	11.0%	13.3%

Under $10k 2.2%

$10k–$15k 2.8%

$15k–$25k 5.0%

$25k–$35k 4.3%

$35k–$50k 6.8%

$50k–$75k 9.5%

$75k–$100k 10.9%

$100k–$150k 15.3%

$150k–$200k 10.6%

$200k+ 32.7%

Range	% of households
Under $10k	2.2%
$10k–$15k	2.8%
$15k–$25k	5.0%
$25k–$35k	4.3%
$35k–$50k	6.8%
$50k–$75k	9.5%
$75k–$100k	10.9%
$100k–$150k	15.3%
$150k–$200k	10.6%
$200k+	32.7%
Median income	$120,972

Housing

Home values

Under $50k 1.3%

$100k–$150k 0.5%

$150k–$200k 0.6%

$200k–$300k 0.2%

$300k–$500k 2.1%

$500k–$1M 21.4%

$1M+ 73.9%

Housing overview

Metric	Value
Median home value	$1,444,200
Median rent / month	$2,257
Owner occupied	77.4%
Renter occupied	22.6%
Vacant	23.0%
Single-family detached	77.3%
Large apartment buildings	4.3%
Mobile homes	0.6%
Median rooms	5.8
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.2%
2010–2019	0.7%
2000–2009	7.3%
1990–1999	7.9%
1980–1989	10.7%
1970–1979	18.9%
1960–1969	21.9%
1950–1959	16.1%
1940–1949	6.0%
1939 or earlier	10.4%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	11.7%
2 bedrooms	25.0%
3 bedrooms	33.6%
4 bedrooms	21.6%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	31.8%
2 vehicles	40.2%
3 or more	22.6%

Heating fuel

Fuel type	%
Utility gas	63.7%
Electricity	23.3%
Propane / LP gas	9.9%
Fuel oil	0.2%
Wood	1.1%
Solar	1.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,955	54.7%
Cohabiting couple	299	5.5%
Male householder, no spouse	563	10.4%
Female householder, no spouse	1,584	29.3%
Households with children under 18	1,100	20.4%
Households with seniors (65+)	3,420	63.3%
Average household size	2.31

Marital status

Status	Male	Female
Never married	24.3%	17.7%
Married	60.4%	51.8%
Separated	2.0%	1.4%
Widowed	1.5%	13.8%
Divorced	11.8%	15.2%

Education

Less than 9th grade 1.9%

Some HS, no diploma 2.6%

HS graduate 6.7%

Some college, no degree 14.6%

Associate's degree 7.4%

Bachelor's degree 34.0%

Graduate / professional 32.7%

Metric	%
HS diploma or higher	95.5%
Bachelor's or higher	66.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	209	9.6%
Kindergarten	142	6.5%
Elementary school	730	33.5%
High school	629	28.9%
College / grad school	470	21.6%

Employment

Industry of employment

Education & healthcare 24.8%

Professional & management 19.5%

Retail trade 13.9%

Arts, food & hospitality 10.0%

Finance & real estate 8.8%

Manufacturing 6.1%

Information 5.1%

Construction 3.9%

Transportation & utilities 2.9%

Other services 2.0%

Public administration 2.0%

Agriculture & mining 0.8%

Wholesale trade 0.2%

Occupation

Category	%
Management, business & arts	61.6%
Service	9.9%
Sales & office	22.6%
Natural resources & construction	0.9%
Production & transportation	5.0%

Employment type

Type	%
Private sector	65.7%
Government	10.9%
Self-employed	22.4%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	58.2%
Carpool	14.2%
Public transit	0.0%
Walk	5.9%
Work from home	19.8%
Other means	1.9%
Avg commute (minutes)	19.1

Poverty

All people 7.3%

Under 18 years 3.0%

18 and over 8.2%

Married-couple families 2.4%

Female-led households 7.7%

Income support

Source	% of households
Social Security	52.9%
Retirement income	41.3%
Supplemental Security	2.5%
Cash public assistance	0.8%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	24.6%
High blood pressure	35.5%
High cholesterol	37.0%
Diabetes	10.6%
Heart disease	8.6%
Stroke	3.6%
Asthma	8.7%
Arthritis	30.8%
Kidney disease	3.7%
Pulmonary disease	6.8%
Cancer	11.4%

Behavior / access	%
Smoking	7.1%
Binge drinking	13.5%
No physical activity	16.3%
Less than 7 hrs sleep	24.2%
Depression	15.2%
Fair or poor health	12.1%
Poor mental health	10.2%
Poor physical health	9.5%
No health insurance	5.7%
Visited doctor (checkup)	77.5%
Visited dentist	78.4%
Cholesterol screening	96.1%
Teeth loss	6.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	888	8.4%

Disability	%
Any disability	10.8%
Under 18	1.3%
18–64 years	3.9%
65 and over	22.8%

Health insurance coverage

Type	%
Private insurance	76.3%
Public insurance	44.6%
No insurance	2.3%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,242	96.9%
Spanish	399	3.3%
Other Indo-European	269	2.2%
Asian & Pacific Islander	83	0.7%
Other languages	37	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,990	87.0%
Born in same state	10,603	84.0%
Born in different state	6,274	49.7%
Foreign born	387	3.1%
Naturalized citizen	1,640	13.0%
Not a US citizen	1,218	74.3%

Ancestry

Ancestry	Count	%
French	2,401	19%
Italian	1,298	10.3%
Arab	489	3.9%
Polish	237	1.9%
English	158	1.3%

Ancestry	Count	%
Dutch	136	1.1%
German	75	0.6%
Irish	62	0.5%
Norwegian	34	0.3%

Technology access

Metric	% of households
Computer access	42.8%
Internet access	95.1%

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

Frequently asked questions about ZIP code 93923

What city is ZIP code 93923 in?

ZIP code 93923 is primarily assigned to Carmel, California.

What county is ZIP code 93923 in?

ZIP code 93923 falls within Monterey County, California.

Does ZIP code 93923 have an older population?

39% of residents in ZIP code 93923 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 93923?

67% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 93923 have a large retiree population?

53% of households in ZIP code 93923 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 93923?

The median home value in ZIP code 93923 is $1,444,200.

What timezone is ZIP code 93923 in?

ZIP code 93923 observes the PST timezone.