95231 ZIP Code — French Camp, CA

San Joaquin County, California

ZIP code 95231 is located in French Camp, California, within San Joaquin County. It covers approximately 10.76 square miles and serves a population of 4,865 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95231

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $470,400. Owner-occupancy sits near the national average at 58%.

Median household income is $70,242. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 26% of households reflects economic stress in the area.

The dominant occupation class is natural resources, construction, and trades, with agriculture and mining as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 4% is below the national average, consistent with a trades and production-oriented local economy.

17% of residents lack health insurance, above the national average.

Notable community characteristics include Spanish spoken in 30% of households.

Overall, ZIP code 95231 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

4,865

population

10.76

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95231 ZIP code map

Cities in ZIP code 95231

Below are the cities the US Postal Service accepts for ZIP code 95231. Using any city not on this list may result in mail delivery delays.

City	Status
French Camp	Preferred

Nearby ZIP codes

95330 Lathrop (5.1 mi) 95296 Stockton (5.3 mi) 95297 Stockton (5.3 mi) 95203 Stockton (5.4 mi) 95202 Stockton (5.4 mi) 95205 Stockton (5.8 mi) 95336 Manteca (6.6 mi) 95204 Stockton (6.7 mi) 95211 Stockton (6.9 mi) 95206 Stockton (7.5 mi) 95207 Stockton (8.4 mi) 95210 Stockton (10 mi)

Demographics updated 05/2026

Population
Total population	4,865
Population density	452 / sq mi
State FIPS	06
County FIPS	077

Geography
Land area	10.76 sq mi
Water area	0.07 sq mi
Latitude	37.8817
Longitude	-121.2911
Timezone	Pacific (PT)
Area code	209

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.0%	36.1%	32.6%
$50k – $100k	30.4%	30.8%	27.7%
$100k – $200k	26.1%	25.4%	26.4%
Over $200k	1.5%	7.7%	13.3%

Demographics & statistics

4,865

Population

452

People per sq mi

35.8

Median age

$70,242

Median household income

$19,364

Per capita income

$470,400

Median home value

$1,563

Median monthly rent

57.9%

Home ownership

20.0%

Poverty rate

2.1%

Unemployment

546

Housing units

4.4%

Bachelor's or higher

Age distribution

Male Female

130

Under 5

189

5–9

140

10–14

187

15–19

179

20–24

751

25–34

395

509

35–44

268

322

45–54

170

295

55–59

155

162

60–64

174

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	840	17.3%
18 and over	4,025	82.7%
65 and over	495	10.2%
Median age	35.8 years

Race & ethnicity

White 38.1%

Hispanic or Latino 24%

Two or more races 18.4%

Other race 10.2%

Black or African American 5.8%

Asian 2.8%

American Indian / Alaska Native 0.7%

Group	Count	%
White	2,438	38.1%
Hispanic or Latino	1,536	24%
Two or more races	1,176	18.4%
Other race	650	10.2%
Black or African American	371	5.8%
Asian	182	2.8%
American Indian / Alaska Native	48	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.0%	36.1%	32.6%
$50k – $100k	30.4%	30.8%	27.7%
$100k – $200k	26.1%	25.4%	26.4%
Over $200k	1.5%	7.7%	13.3%

Under $10k 3.7%

$10k–$15k 5.5%

$15k–$25k 7.0%

$25k–$35k 10.5%

$35k–$50k 9.8%

$50k–$75k 17.7%

$75k–$100k 11.9%

$100k–$150k 24.0%

$150k–$200k 7.9%

$200k+ 2.1%

Range	% of households
Under $10k	3.7%
$10k–$15k	5.5%
$15k–$25k	7.0%
$25k–$35k	10.5%
$35k–$50k	9.8%
$50k–$75k	17.7%
$75k–$100k	11.9%
$100k–$150k	24.0%
$150k–$200k	7.9%
$200k+	2.1%
Median income	$70,242

Housing

Home values

$150k–$200k 6.4%

$200k–$300k 16.9%

$300k–$500k 28.7%

$500k–$1M 37.7%

$1M+ 10.3%

Housing overview

Metric	Value
Median home value	$470,400
Median rent / month	$1,563
Owner occupied	57.9%
Renter occupied	42.1%
Vacant	18.8%
Single-family detached	85.4%
Large apartment buildings	3.5%
Mobile homes	2.8%
Median rooms	5.4
Avg household size (owned)	3.77

Year built

Era	%
2020 or later	0.0%
2010–2019	1.9%
2000–2009	18.7%
1990–1999	4.7%
1980–1989	11.1%
1970–1979	13.7%
1960–1969	11.6%
1950–1959	26.6%
1940–1949	4.1%
1939 or earlier	7.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	6.0%
2 bedrooms	24.8%
3 bedrooms	53.9%
4 bedrooms	11.6%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	13.8%
1 vehicle	14.1%
2 vehicles	38.4%
3 or more	33.7%

Heating fuel

Fuel type	%
Utility gas	47.9%
Electricity	28.2%
Propane / LP gas	18.0%
No fuel used	3.0%

Households & families

Household type	Count	%
Married-couple family	427	63.4%
Cohabiting couple	33	4.9%
Male householder, no spouse	93	13.8%
Female householder, no spouse	121	18.0%
Households with children under 18	282	41.8%
Households with seniors (65+)	249	36.9%
Average household size	3.49

Marital status

Status	Male	Female
Never married	43.3%	31.8%
Married	40.1%	54.8%
Separated	3.7%	1.6%
Widowed	4.5%	6.2%
Divorced	8.4%	5.6%

Education

Less than 9th grade 23.3%

Some HS, no diploma 19.5%

HS graduate 32.4%

Some college, no degree 18.8%

Associate's degree 1.7%

Bachelor's degree 3.2%

Graduate / professional 1.1%

Metric	%
HS diploma or higher	57.2%
Bachelor's or higher	4.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	46	5.2%
Kindergarten	60	6.7%
Elementary school	391	44.0%
High school	285	32.1%
College / grad school	107	12.0%

Employment

Industry of employment

Agriculture & mining 36.6%

Manufacturing 17.7%

Retail trade 7.9%

Construction 7.5%

Professional & management 6.8%

Transportation & utilities 5.5%

Public administration 5.2%

Arts, food & hospitality 3.9%

Finance & real estate 3.2%

Education & healthcare 3.2%

Wholesale trade 1.4%

Other services 1.1%

Occupation

Category	%
Management, business & arts	12.7%
Service	14.0%
Sales & office	10.1%
Natural resources & construction	38.8%
Production & transportation	24.4%

Employment type

Type	%
Private sector	89.6%
Government	6.2%
Self-employed	4.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	58.0%
Carpool	21.1%
Public transit	0.0%
Walk	2.2%
Work from home	15.1%
Other means	3.5%
Avg commute (minutes)	25.7

Poverty

All people 20.0%

Under 18 years 24.7%

18 and over 18.7%

Married-couple families 16.9%

Female-led households 18.8%

Income support

Source	% of households
Social Security	30.0%
Retirement income	25.5%
Supplemental Security	6.8%
Cash public assistance	6.7%
Food stamps / SNAP	26.4%

Health indicators

Condition	%
Obesity	32.9%
High blood pressure	27.7%
High cholesterol	26.6%
Diabetes	10.5%
Heart disease	5.6%
Stroke	2.9%
Asthma	10.4%
Arthritis	18.1%
Kidney disease	2.8%
Pulmonary disease	6.6%
Cancer	3.9%

Behavior / access	%
Smoking	18.6%
Binge drinking	21.9%
No physical activity	27.3%
Less than 7 hrs sleep	35.4%
Depression	17.5%
Fair or poor health	21.6%
Poor mental health	17.6%
Poor physical health	12.5%
No health insurance	23.5%
Visited doctor (checkup)	63.4%
Visited dentist	51.3%
Cholesterol screening	83.3%
Teeth loss	19.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	155	3.9%

Disability	%
Any disability	12.2%
Under 18	7.0%
18–64 years	7.3%
65 and over	47.3%

Health insurance coverage

Type	%
Private insurance	38.5%
Public insurance	52.9%
No insurance	17.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,667	95.9%
Spanish	1,398	30.0%
Other Indo-European	1,364	29.2%
Asian & Pacific Islander	5	0.1%
Other languages	29	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,198	65.7%
Born in same state	3,140	64.5%
Born in different state	2,755	56.6%
Foreign born	58	1.2%
Naturalized citizen	1,667	34.3%
Not a US citizen	158	9.5%

Ancestry

Ancestry	Count	%
Arab	162	3.3%
French	130	2.7%
Italian	128	2.6%

Ancestry	Count	%
Polish	55	1.1%
German	2	0%

Technology access

Metric	% of households
Computer access	13.9%
Internet access	82.2%

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

Frequently asked questions about ZIP code 95231

What city is ZIP code 95231 in?

ZIP code 95231 is primarily assigned to French Camp, California.

What county is ZIP code 95231 in?

ZIP code 95231 falls within San Joaquin County, California.

Is Spanish widely spoken in ZIP code 95231?

Approximately 30% of households in ZIP code 95231 speak Spanish as a primary language.

How educated is the population of ZIP code 95231?

4% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 95231?

20% of residents in ZIP code 95231 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95231?

The median home value in ZIP code 95231 is $470,400.

What timezone is ZIP code 95231 in?

ZIP code 95231 observes the PST timezone.