95340 ZIP Code — Merced, CA

Merced County, California

ZIP code 95340 is located in Merced, California, within Merced County. It covers approximately 51.96 square miles and serves a population of 36,833 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95340

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 $355,600. Owner-occupancy sits near the national average at 56%.

The gap between median ($64,809) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 24% of households reflects economic stress in the area.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 24 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Overall, ZIP code 95340 reflects a community defined by economic challenges above the national average and elevated reliance on food assistance.

36,833

population

51.96

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95340 ZIP code map

Cities in ZIP code 95340

Below are the cities the US Postal Service accepts for ZIP code 95340. Using any city not on this list may result in mail delivery delays.

City	Status
Merced	Preferred

Nearby ZIP codes

95365 Planada (5.3 mi) 95343 Merced (7.5 mi) 95348 Merced (7.8 mi) 95325 Hornitos (8.3 mi) 95388 Winton (10.2 mi) 95341 Merced (10.8 mi) 95369 Snelling (11.2 mi) 95333 Le Grand (11.5 mi) 95306 Catheys Valley (12.7 mi) 95301 Atwater (15.7 mi) 95303 Ballico (17.4 mi) 95317 El Nido (18.7 mi)

Demographics updated 05/2026

Population
Total population	36,833
Population density	709 / sq mi
State FIPS	06
County FIPS	047

Geography
Land area	51.96 sq mi
Water area	0.75 sq mi
Latitude	37.3754
Longitude	-120.3802
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	44.6%	44.8%	32.6%
$50k – $100k	28.4%	31.9%	27.7%
$100k – $200k	18.1%	18.6%	26.4%
Over $200k	8.9%	4.7%	13.3%

Demographics & statistics

36,833

Population

709

People per sq mi

32.2

Median age

$64,809

Median household income

$34,517

Per capita income

$355,600

Median home value

$1,120

Median monthly rent

55.6%

Home ownership

19.6%

Poverty rate

14.7%

Unemployment

7,696

Housing units

25.8%

Bachelor's or higher

Age distribution

Male Female

1,128

Under 5

1,210

1,202

5–9

1,288

1,097

10–14

1,175

1,860

15–19

1,993

1,524

20–24

1,633

2,726

25–34

2,921

1,709

35–44

1,832

1,768

45–54

1,894

1,177

55–59

1,262

1,036

60–64

1,111

1,521

65–74

1,630

714

75–84

765

317

85+

340

← Male

Female →

Age summary

Group	Count	%
Under 18	8,606	23.4%
18 and over	28,227	76.6%
65 and over	5,287	14.4%
Median age	32.2 years

Race & ethnicity

White 37.2%

Hispanic or Latino 25.8%

Other race 19.9%

Two or more races 7.8%

Asian 6%

Black or African American 2.3%

American Indian / Alaska Native 0.9%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	18,494	37.2%
Hispanic or Latino	12,837	25.8%
Other race	9,893	19.9%
Two or more races	3,875	7.8%
Asian	2,970	6%
Black or African American	1,141	2.3%
American Indian / Alaska Native	426	0.9%
Native Hawaiian / Pacific Islander	34	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.6%	44.8%	32.6%
$50k – $100k	28.4%	31.9%	27.7%
$100k – $200k	18.1%	18.6%	26.4%
Over $200k	8.9%	4.7%	13.3%

Under $10k 7.2%

$10k–$15k 5.3%

$15k–$25k 9.9%

$25k–$35k 7.1%

$35k–$50k 11.3%

$50k–$75k 16.1%

$75k–$100k 12.7%

$100k–$150k 13.8%

$150k–$200k 5.7%

$200k+ 10.9%

Range	% of households
Under $10k	7.2%
$10k–$15k	5.3%
$15k–$25k	9.9%
$25k–$35k	7.1%
$35k–$50k	11.3%
$50k–$75k	16.1%
$75k–$100k	12.7%
$100k–$150k	13.8%
$150k–$200k	5.7%
$200k+	10.9%
Median income	$64,809

Housing

Home values

Under $50k 2.4%

$50k–$100k 0.5%

$100k–$150k 1.7%

$150k–$200k 4.9%

$200k–$300k 23.0%

$300k–$500k 48.2%

$500k–$1M 16.5%

$1M+ 2.8%

Housing overview

Metric	Value
Median home value	$355,600
Median rent / month	$1,120
Owner occupied	55.6%
Renter occupied	44.4%
Vacant	6.4%
Single-family detached	80.5%
Large apartment buildings	2.3%
Mobile homes	0.6%
Median rooms	5.8
Avg household size (owned)	2.89

Year built

Era	%
2020 or later	1.0%
2010–2019	2.2%
2000–2009	11.3%
1990–1999	8.8%
1980–1989	8.5%
1970–1979	21.6%
1960–1969	13.9%
1950–1959	15.5%
1940–1949	8.2%
1939 or earlier	9.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.8%
1 bedroom	7.8%
2 bedrooms	21.8%
3 bedrooms	40.9%
4 bedrooms	21.5%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	9.0%
1 vehicle	31.5%
2 vehicles	32.2%
3 or more	27.3%

Heating fuel

Fuel type	%
Utility gas	63.4%
Electricity	30.3%
Propane / LP gas	2.6%
Fuel oil	0.3%
Wood	0.6%
Solar	1.9%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	5,120	41.5%
Cohabiting couple	1,007	8.2%
Male householder, no spouse	2,303	18.7%
Female householder, no spouse	3,893	31.6%
Households with children under 18	4,105	33.3%
Households with seniors (65+)	3,863	31.3%
Average household size	2.76

Marital status

Status	Male	Female
Never married	46.0%	42.2%
Married	40.9%	35.2%
Separated	2.2%	1.6%
Widowed	2.6%	9.3%
Divorced	8.4%	11.6%

Education

Less than 9th grade 5.3%

Some HS, no diploma 7.8%

HS graduate 21.6%

Some college, no degree 27.2%

Associate's degree 12.3%

Bachelor's degree 15.9%

Graduate / professional 10.0%

Metric	%
HS diploma or higher	86.9%
Bachelor's or higher	25.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	588	5.1%
Kindergarten	643	5.6%
Elementary school	3,542	30.7%
High school	1,957	16.9%
College / grad school	4,826	41.8%

Employment

Industry of employment

Education & healthcare 32.0%

Retail trade 10.5%

Arts, food & hospitality 9.7%

Professional & management 7.7%

Public administration 7.5%

Manufacturing 7.1%

Construction 7.0%

Finance & real estate 4.2%

Transportation & utilities 3.7%

Other services 3.6%

Agriculture & mining 3.0%

Wholesale trade 2.8%

Information 1.2%

Occupation

Category	%
Management, business & arts	36.1%
Service	21.0%
Sales & office	18.5%
Natural resources & construction	12.1%
Production & transportation	12.4%

Employment type

Type	%
Private sector	66.7%
Government	27.7%
Self-employed	5.3%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	77.3%
Carpool	6.7%
Public transit	0.7%
Walk	2.7%
Work from home	9.6%
Other means	3.0%
Avg commute (minutes)	23.6

Poverty

All people 19.6%

Under 18 years 26.1%

18 and over 17.5%

Married-couple families 6.4%

Female-led households 41.9%

Income support

Source	% of households
Social Security	29.5%
Retirement income	24.2%
Supplemental Security	10.2%
Cash public assistance	5.4%
Food stamps / SNAP	24.1%

Health indicators

Condition	%
Obesity	35.9%
High blood pressure	29.5%
High cholesterol	29.9%
Diabetes	11.5%
Heart disease	6.4%
Stroke	3.3%
Asthma	10.8%
Arthritis	22.5%
Kidney disease	3.2%
Pulmonary disease	7.5%
Cancer	5.6%

Behavior / access	%
Smoking	14.7%
Binge drinking	17.7%
No physical activity	24.7%
Less than 7 hrs sleep	32.9%
Depression	18.8%
Fair or poor health	18.9%
Poor mental health	16.2%
Poor physical health	12.4%
No health insurance	15.4%
Visited doctor (checkup)	67.3%
Visited dentist	57.9%
Cholesterol screening	88.3%
Teeth loss	15.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,550	5.5%

Disability	%
Any disability	14.9%
Under 18	3.7%
18–64 years	12.6%
65 and over	43.4%

Health insurance coverage

Type	%
Private insurance	58.3%
Public insurance	49.8%
No insurance	4.7%
Uninsured under 19	2.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	34,495	93.7%
Spanish	2,653	7.7%
Other Indo-European	2,078	6.0%
Asian & Pacific Islander	73	0.2%
Other languages	502	1.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	31,663	86.0%
Born in same state	31,161	84.6%
Born in different state	27,024	73.4%
Foreign born	502	1.4%
Naturalized citizen	5,170	14.0%
Not a US citizen	2,935	56.8%

Ancestry

Ancestry	Count	%
French	2,352	6.4%
Italian	2,103	5.7%
Arab	1,137	3.1%
English	252	0.7%

Ancestry	Count	%
Polish	168	0.5%
Dutch	135	0.4%
Irish	81	0.2%
German	11	0%

Technology access

Metric	% of households
Computer access	33.5%
Internet access	94.2%

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

Frequently asked questions about ZIP code 95340

What city is ZIP code 95340 in?

ZIP code 95340 is primarily assigned to Merced, California.

What county is ZIP code 95340 in?

ZIP code 95340 falls within Merced County, California.

What is the poverty rate in ZIP code 95340?

20% of residents in ZIP code 95340 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95340?

The median home value in ZIP code 95340 is $355,600.

What is the population of ZIP code 95340?

ZIP code 95340 has an estimated population of 36,833 residents, with a density of 709 people per square mile.

What is the median household income in ZIP code 95340?

The median household income in ZIP code 95340 is $64,809, below the national median of ~$75,000.

What timezone is ZIP code 95340 in?

ZIP code 95340 observes the PST timezone.