95628 ZIP Code — Fair Oaks, CA

Sacramento County, California

ZIP code 95628 is located in Fair Oaks, California, within Sacramento County. It covers approximately 12.89 square miles and serves a population of 44,256 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 916.

About ZIP code 95628

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 $587,700. Owner-occupancy sits near the national average at 71%.

The gap between median ($110,012) and mean household income suggests income inequality — a small number of higher earners pull the average up. 36% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 45% of residents holding a bachelor's degree or higher.

44,256

population

12.89

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95628 ZIP code map

Cities in ZIP code 95628

Below are the cities the US Postal Service accepts for ZIP code 95628. Using any city not on this list may result in mail delivery delays.

City	Status
Fair Oaks	Preferred

Nearby ZIP codes

95662 Orangevale (2.9 mi) 95610 Citrus Heights (3.1 mi) 95670 Rancho Cordova (3.2 mi) 95621 Citrus Heights (4.4 mi) 95608 Carmichael (4.4 mi) 95742 Rancho Cordova (5.3 mi) 95841 Sacramento (5.4 mi) 95841 Sacramento (5.4 mi) 95842 Sacramento (5.6 mi) 95630 Folsom (6 mi) 95661 Roseville (6.5 mi) 95655 Mather (7 mi)

Demographics updated 06/2026

Population
Total population	44,256
Population density	3,433 / sq mi
State FIPS	06
County FIPS	067

Geography
Land area	12.89 sq mi
Water area	0.36 sq mi
Latitude	38.6496
Longitude	-121.2541
Timezone	Pacific (PT)
Area code	916

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	35.2%	32.6%
$50k – $100k	30.8%	30.6%	27.7%
$100k – $200k	29.4%	26.0%	26.4%
Over $200k	14.6%	8.2%	13.3%

Demographics & statistics

44,256

Population

3,433

People per sq mi

43.0

Median age

$110,012

Median household income

$53,372

Per capita income

$587,700

Median home value

$1,793

Median monthly rent

70.9%

Home ownership

8.3%

Poverty rate

5.6%

Unemployment

12,569

Housing units

44.5%

Bachelor's or higher

Age distribution

Male Female

1,125

Under 5

1,159

1,145

5–9

1,180

1,222

10–14

1,258

1,203

15–19

1,239

1,081

20–24

1,113

2,838

25–34

2,923

2,679

35–44

2,758

2,760

45–54

2,843

1,458

55–59

1,501

1,608

60–64

1,656

2,788

65–74

2,871

1,382

75–84

1,424

513

85+

529

← Male

Female →

Age summary

Group	Count	%
Under 18	8,601	19.4%
18 and over	35,655	80.6%
65 and over	9,507	21.5%
Median age	43.0 years

Race & ethnicity

White 73.3%

Two or more races 9.1%

Hispanic or Latino 7.1%

Asian 4.6%

Other race 3.2%

Black or African American 1.9%

American Indian / Alaska Native 0.5%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	34,909	73.3%
Two or more races	4,356	9.1%
Hispanic or Latino	3,362	7.1%
Asian	2,208	4.6%
Other race	1,530	3.2%
Black or African American	885	1.9%
American Indian / Alaska Native	223	0.5%
Native Hawaiian / Pacific Islander	145	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	35.2%	32.6%
$50k – $100k	30.8%	30.6%	27.7%
$100k – $200k	29.4%	26.0%	26.4%
Over $200k	14.6%	8.2%	13.3%

Under $10k 4.2%

$10k–$15k 2.1%

$15k–$25k 2.1%

$25k–$35k 3.3%

$35k–$50k 5.7%

$50k–$75k 13.6%

$75k–$100k 14.6%

$100k–$150k 22.8%

$150k–$200k 13.6%

$200k+ 18.1%

Range	% of households
Under $10k	4.2%
$10k–$15k	2.1%
$15k–$25k	2.1%
$25k–$35k	3.3%
$35k–$50k	5.7%
$50k–$75k	13.6%
$75k–$100k	14.6%
$100k–$150k	22.8%
$150k–$200k	13.6%
$200k+	18.1%
Median income	$110,012

Housing

Home values

Under $50k 1.1%

$50k–$100k 0.1%

$100k–$150k 0.4%

$150k–$200k 0.4%

$200k–$300k 3.4%

$300k–$500k 29.7%

$500k–$1M 60.5%

$1M+ 4.3%

Housing overview

Metric	Value
Median home value	$587,700
Median rent / month	$1,793
Owner occupied	70.9%
Renter occupied	29.1%
Vacant	3.2%
Single-family detached	74.9%
Large apartment buildings	4.0%
Mobile homes	0.0%
Median rooms	6.1
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.4%
2010–2019	3.9%
2000–2009	6.3%
1990–1999	9.4%
1980–1989	17.3%
1970–1979	24.9%
1960–1969	14.8%
1950–1959	18.5%
1940–1949	2.9%
1939 or earlier	1.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	7.2%
2 bedrooms	20.2%
3 bedrooms	38.8%
4 bedrooms	28.7%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.5%
1 vehicle	28.3%
2 vehicles	40.8%
3 or more	27.4%

Heating fuel

Fuel type	%
Utility gas	68.5%
Electricity	28.8%
Propane / LP gas	1.2%
Fuel oil	0.1%
Wood	0.3%
Solar	0.4%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	8,944	52.8%
Cohabiting couple	1,212	7.1%
Male householder, no spouse	2,367	14.0%
Female householder, no spouse	4,431	26.1%
Households with children under 18	4,866	28.7%
Households with seniors (65+)	6,600	38.9%
Average household size	2.56

Marital status

Status	Male	Female
Never married	32.3%	24.7%
Married	55.0%	50.2%
Separated	2.7%	1.4%
Widowed	2.1%	7.8%
Divorced	7.9%	15.8%

Education

Less than 9th grade 2.1%

Some HS, no diploma 2.7%

HS graduate 15.4%

Some college, no degree 25.1%

Associate's degree 10.2%

Bachelor's degree 28.3%

Graduate / professional 16.1%

Metric	%
HS diploma or higher	95.2%
Bachelor's or higher	44.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	448	4.8%
Kindergarten	441	4.7%
Elementary school	3,530	38.0%
High school	2,252	24.3%
College / grad school	2,615	28.2%

Employment

Industry of employment

Education & healthcare 22.1%

Professional & management 13.0%

Public administration 9.8%

Finance & real estate 9.1%

Retail trade 9.0%

Arts, food & hospitality 8.9%

Construction 7.9%

Manufacturing 6.4%

Other services 4.4%

Transportation & utilities 3.9%

Wholesale trade 3.2%

Information 2.2%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	51.2%
Service	13.2%
Sales & office	22.7%
Natural resources & construction	6.0%
Production & transportation	6.8%

Employment type

Type	%
Private sector	70.5%
Government	20.7%
Self-employed	8.7%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	72.0%
Carpool	7.0%
Public transit	1.0%
Walk	0.9%
Work from home	18.0%
Other means	1.0%
Avg commute (minutes)	29.0

Poverty

All people 8.3%

Under 18 years 8.0%

18 and over 8.3%

Married-couple families 2.6%

Female-led households 10.9%

Income support

Source	% of households
Social Security	35.7%
Retirement income	32.9%
Supplemental Security	4.9%
Cash public assistance	1.4%
Food stamps / SNAP	4.4%

Health indicators

Condition	%
Obesity	29.4%
High blood pressure	28.7%
High cholesterol	31.3%
Diabetes	9.1%
Heart disease	6.2%
Stroke	2.8%
Asthma	10.3%
Arthritis	25.7%
Kidney disease	2.8%
Pulmonary disease	6.3%
Cancer	7.6%

Behavior / access	%
Smoking	10.7%
Binge drinking	18.0%
No physical activity	16.5%
Less than 7 hrs sleep	30.4%
Depression	18.0%
Fair or poor health	11.9%
Poor mental health	13.7%
Poor physical health	9.6%
No health insurance	7.6%
Visited doctor (checkup)	69.4%
Visited dentist	72.0%
Cholesterol screening	92.9%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,919	8.2%

Disability	%
Any disability	11.6%
Under 18	2.8%
18–64 years	9.1%
65 and over	26.8%

Health insurance coverage

Type	%
Private insurance	77.0%
Public insurance	36.8%
No insurance	4.0%
Uninsured under 19	2.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	41,972	94.8%
Spanish	1,820	4.3%
Other Indo-European	395	0.9%
Asian & Pacific Islander	963	2.3%
Other languages	319	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	39,309	88.8%
Born in same state	38,657	87.3%
Born in different state	28,433	64.2%
Foreign born	652	1.5%
Naturalized citizen	4,947	11.2%
Not a US citizen	3,851	77.8%

Ancestry

Ancestry	Count	%
French	6,370	14.4%
Italian	4,460	10.1%
Arab	1,454	3.3%
Polish	932	2.1%
English	879	2%

Ancestry	Count	%
Dutch	364	0.8%
German	144	0.3%
Irish	122	0.3%
Norwegian	101	0.2%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	97.8%

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

Frequently asked questions about ZIP code 95628

What city is ZIP code 95628 in?

ZIP code 95628 is primarily assigned to Fair Oaks, California.

What county is ZIP code 95628 in?

ZIP code 95628 falls within Sacramento County, California.

Does ZIP code 95628 have a large retiree population?

36% of households in ZIP code 95628 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 95628?

The median home value in ZIP code 95628 is $587,700.

What is the median household income in ZIP code 95628?

The median household income in ZIP code 95628 is $110,012, above the national median of ~$75,000.

What is the population of ZIP code 95628?

ZIP code 95628 has an estimated population of 44,256 residents, with a density of 3,433 people per square mile.

What timezone is ZIP code 95628 in?

ZIP code 95628 observes the PST timezone.