93430 ZIP Code — Cayucos, CA

San Luis Obispo County, California

ZIP code 93430 is located in Cayucos, California, within San Luis Obispo County. It covers approximately 71.74 square miles and serves a population of 2,941 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 805/820.

About ZIP code 93430

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 $940,600. Owner-occupancy sits near the national average at 60%.

Median household income is $82,799. 44% 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. An above-average commute of 35 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

2,941

population

71.74

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

93430 ZIP code map

Cities in ZIP code 93430

Below are the cities the US Postal Service accepts for ZIP code 93430. Using any city not on this list may result in mail delivery delays.

City	Status
Cayucos	Preferred

Nearby ZIP codes

93428 Cambria (8.4 mi) 93442 Morro Bay (9.3 mi) 93465 Templeton (11.5 mi) 93422 Atascadero (13.3 mi) 93402 Los Osos (13.8 mi) 93446 Paso Robles (15 mi) 93405 San Luis Obispo (17.1 mi) 93407 San Luis Obispo (19 mi) 93409 San Luis Obispo (19.5 mi) 93408 San Luis Obispo (19.9 mi) 93410 San Luis Obispo (20 mi)

Demographics updated 05/2026

Population
Total population	2,941
Population density	41 / sq mi
State FIPS	06
County FIPS	079

Geography
Land area	71.74 sq mi
Water area	4.64 sq mi
Latitude	35.4827
Longitude	-120.9147
Timezone	Pacific (PT)
Area code	805/820

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.1%	31.9%	32.6%
$50k – $100k	36.1%	29.7%	27.7%
$100k – $200k	21.8%	28.2%	26.4%
Over $200k	11.1%	10.2%	13.3%

Demographics & statistics

2,941

Population

People per sq mi

59.5

Median age

$82,799

Median household income

$51,463

Per capita income

$940,600

Median home value

$1,549

Median monthly rent

59.6%

Home ownership

9.8%

Poverty rate

1.7%

Unemployment

2,003

Housing units

43.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

102

25–34

135

35–44

118

231

45–54

202

120

55–59

105

196

60–64

171

384

65–74

335

159

75–84

139

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	224	7.6%
18 and over	2,717	92.4%
65 and over	1,049	35.7%
Median age	59.5 years

Race & ethnicity

White 81.9%

Two or more races 7.1%

Hispanic or Latino 6.6%

Other race 2.7%

Asian 1.5%

American Indian / Alaska Native 0.1%

Group	Count	%
White	2,579	81.9%
Two or more races	224	7.1%
Hispanic or Latino	209	6.6%
Other race	86	2.7%
Asian	48	1.5%
American Indian / Alaska Native	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.1%	31.9%	32.6%
$50k – $100k	36.1%	29.7%	27.7%
$100k – $200k	21.8%	28.2%	26.4%
Over $200k	11.1%	10.2%	13.3%

Under $10k 5.0%

$10k–$15k 5.5%

$15k–$25k 3.8%

$25k–$35k 0.6%

$35k–$50k 7.1%

$50k–$75k 18.6%

$75k–$100k 17.5%

$100k–$150k 20.6%

$150k–$200k 9.0%

$200k+ 12.3%

Range	% of households
Under $10k	5.0%
$10k–$15k	5.5%
$15k–$25k	3.8%
$25k–$35k	0.6%
$35k–$50k	7.1%
$50k–$75k	18.6%
$75k–$100k	17.5%
$100k–$150k	20.6%
$150k–$200k	9.0%
$200k+	12.3%
Median income	$82,799

Housing

Home values

Under $50k 0.9%

$100k–$150k 1.3%

$200k–$300k 2.3%

$300k–$500k 2.8%

$500k–$1M 50.9%

$1M+ 41.7%

Housing overview

Metric	Value
Median home value	$940,600
Median rent / month	$1,549
Owner occupied	59.6%
Renter occupied	40.4%
Vacant	44.2%
Single-family detached	80.5%
Large apartment buildings	0.0%
Mobile homes	2.6%
Median rooms	4.6
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.0%
2010–2019	2.8%
2000–2009	13.0%
1990–1999	5.7%
1980–1989	11.1%
1970–1979	30.1%
1960–1969	6.3%
1950–1959	11.5%
1940–1949	8.6%
1939 or earlier	10.9%

Bedrooms

Size	% of units
No bedroom (studio)	3.4%
1 bedroom	10.4%
2 bedrooms	46.0%
3 bedrooms	27.2%
4 bedrooms	11.7%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	1.5%
1 vehicle	26.7%
2 vehicles	42.1%
3 or more	29.7%

Heating fuel

Fuel type	%
Utility gas	57.4%
Electricity	24.5%
Propane / LP gas	7.7%
Wood	7.3%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	762	52.8%
Cohabiting couple	64	4.4%
Male householder, no spouse	244	16.9%
Female householder, no spouse	372	25.8%
Households with children under 18	152	10.5%
Households with seniors (65+)	706	49.0%
Average household size	2.02

Marital status

Status	Male	Female
Never married	22.2%	12.7%
Married	57.5%	58.3%
Separated	0.9%	0.0%
Widowed	5.9%	11.0%
Divorced	13.6%	18.0%

Education

Less than 9th grade 0.4%

Some HS, no diploma 2.7%

HS graduate 14.6%

Some college, no degree 24.2%

Associate's degree 14.8%

Bachelor's degree 23.0%

Graduate / professional 20.3%

Metric	%
HS diploma or higher	96.9%
Bachelor's or higher	43.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	3.5%
Kindergarten	0	0.0%
Elementary school	171	49.4%
High school	62	17.9%
College / grad school	101	29.2%

Employment

Industry of employment

Education & healthcare 25.5%

Arts, food & hospitality 13.4%

Professional & management 9.9%

Finance & real estate 9.7%

Manufacturing 8.8%

Construction 8.6%

Retail trade 5.7%

Information 4.4%

Other services 4.0%

Agriculture & mining 3.9%

Wholesale trade 3.4%

Transportation & utilities 2.1%

Public administration 0.7%

Occupation

Category	%
Management, business & arts	40.1%
Service	19.7%
Sales & office	21.3%
Natural resources & construction	4.6%
Production & transportation	14.3%

Employment type

Type	%
Private sector	71.9%
Government	13.4%
Self-employed	14.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	67.2%
Carpool	11.9%
Public transit	0.6%
Walk	1.8%
Work from home	18.5%
Other means	0.0%
Avg commute (minutes)	35.2

Poverty

All people 9.8%

Under 18 years 4.5%

18 and over 10.2%

Married-couple families 3.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	43.6%
Retirement income	41.0%
Supplemental Security	6.7%
Cash public assistance	1.1%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	27.6%
High blood pressure	33.6%
High cholesterol	36.2%
Diabetes	10.5%
Heart disease	7.7%
Stroke	3.4%
Asthma	9.6%
Arthritis	27.6%
Kidney disease	3.4%
Pulmonary disease	7.4%
Cancer	9.0%

Behavior / access	%
Smoking	10.9%
Binge drinking	17.1%
No physical activity	18.0%
Less than 7 hrs sleep	29.4%
Depression	18.1%
Fair or poor health	13.3%
Poor mental health	13.1%
Poor physical health	10.7%
No health insurance	7.5%
Visited doctor (checkup)	71.7%
Visited dentist	72.0%
Cholesterol screening	93.8%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	214	7.9%

Disability	%
Any disability	17.4%
Under 18	27.2%
18–64 years	7.3%
65 and over	31.4%

Health insurance coverage

Type	%
Private insurance	70.2%
Public insurance	54.8%
No insurance	1.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,908	98.9%
Spanish	66	2.3%
Other Indo-European	53	1.8%
Asian & Pacific Islander	13	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,759	93.8%
Born in same state	2,684	91.3%
Born in different state	1,943	66.1%
Foreign born	75	2.6%
Naturalized citizen	182	6.2%
Not a US citizen	131	72.0%

Ancestry

Ancestry	Count	%
French	416	14.1%
Italian	312	10.6%
Arab	121	4.1%
Irish	78	2.7%
English	64	2.2%

Ancestry	Count	%
Polish	28	1%
German	22	0.7%
Dutch	20	0.7%
Norwegian	14	0.5%

Technology access

Metric	% of households
Computer access	49.0%
Internet access	95.1%

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

Frequently asked questions about ZIP code 93430

What city is ZIP code 93430 in?

ZIP code 93430 is primarily assigned to Cayucos, California.

What county is ZIP code 93430 in?

ZIP code 93430 falls within San Luis Obispo County, California.

Does ZIP code 93430 have an older population?

36% of residents in ZIP code 93430 are 65 or older, above the national average of ~17%.

Does ZIP code 93430 have a large retiree population?

44% of households in ZIP code 93430 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 93430?

The median home value in ZIP code 93430 is $940,600.

What is the population of ZIP code 93430?

ZIP code 93430 has an estimated population of 2,941 residents, with a density of 41 people per square mile.

What timezone is ZIP code 93430 in?

ZIP code 93430 observes the PST timezone.