93442 ZIP Code — Morro Bay, CA

San Luis Obispo County, California

ZIP code 93442 is located in Morro Bay, California, within San Luis Obispo County. It covers approximately 44.54 square miles and serves a population of 11,399 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 805.

About ZIP code 93442

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 $809,900. Owner-occupancy sits near the national average at 58%.

Median household income is $88,309. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 93442 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

11,399

population

44.54

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

93442 ZIP code map

Cities in ZIP code 93442

Below are the cities the US Postal Service accepts for ZIP code 93442. Using any city not on this list may result in mail delivery delays.

City	Status
Morro Bay	Preferred

Nearby ZIP codes

93402 Los Osos (6.8 mi) 93422 Atascadero (7.1 mi) 93405 San Luis Obispo (9.1 mi) 93430 Cayucos (9.3 mi) 93407 San Luis Obispo (9.7 mi) 93465 Templeton (9.8 mi) 93409 San Luis Obispo (10.3 mi) 93408 San Luis Obispo (10.7 mi) 93410 San Luis Obispo (10.8 mi) 93401 San Luis Obispo (13.6 mi) 93432 Creston (16.9 mi) 93428 Cambria (17.4 mi)

Demographics updated 05/2026

Population
Total population	11,399
Population density	256 / sq mi
State FIPS	06
County FIPS	079

Geography
Land area	44.54 sq mi
Water area	1.04 sq mi
Latitude	35.3992
Longitude	-120.7848
Timezone	Pacific (PT)
Area code	805

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.9%	31.9%	32.6%
$50k – $100k	31.7%	29.7%	27.7%
$100k – $200k	26.0%	28.2%	26.4%
Over $200k	8.5%	10.2%	13.3%

Demographics & statistics

11,399

Population

256

People per sq mi

52.4

Median age

$88,309

Median household income

$50,587

Per capita income

$809,900

Median home value

$1,727

Median monthly rent

58.1%

Home ownership

10.1%

Poverty rate

8.7%

Unemployment

4,236

Housing units

42.1%

Bachelor's or higher

Age distribution

Male Female

166

Under 5

175

183

5–9

194

158

10–14

167

420

15–19

445

267

20–24

282

656

25–34

695

450

35–44

476

615

45–54

652

511

55–59

542

489

60–64

517

1,001

65–74

1,061

484

75–84

512

136

85+

145

← Male

Female →

Age summary

Group	Count	%
Under 18	1,420	12.5%
18 and over	9,979	87.5%
65 and over	3,339	29.3%
Median age	52.4 years

Race & ethnicity

White 69.6%

Hispanic or Latino 11.5%

Other race 7.1%

Two or more races 6.6%

Asian 4.5%

American Indian / Alaska Native 0.5%

Black or African American 0.2%

Group	Count	%
White	8,974	69.6%
Hispanic or Latino	1,486	11.5%
Other race	910	7.1%
Two or more races	851	6.6%
Asian	578	4.5%
American Indian / Alaska Native	62	0.5%
Black or African American	24	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.9%	31.9%	32.6%
$50k – $100k	31.7%	29.7%	27.7%
$100k – $200k	26.0%	28.2%	26.4%
Over $200k	8.5%	10.2%	13.3%

Under $10k 2.9%

$10k–$15k 3.0%

$15k–$25k 6.9%

$25k–$35k 6.5%

$35k–$50k 8.7%

$50k–$75k 13.8%

$75k–$100k 15.3%

$100k–$150k 21.9%

$150k–$200k 7.8%

$200k+ 13.1%

Range	% of households
Under $10k	2.9%
$10k–$15k	3.0%
$15k–$25k	6.9%
$25k–$35k	6.5%
$35k–$50k	8.7%
$50k–$75k	13.8%
$75k–$100k	15.3%
$100k–$150k	21.9%
$150k–$200k	7.8%
$200k+	13.1%
Median income	$88,309

Housing

Home values

Under $50k 2.2%

$50k–$100k 1.4%

$100k–$150k 3.3%

$150k–$200k 2.0%

$200k–$300k 2.0%

$300k–$500k 3.5%

$500k–$1M 60.0%

$1M+ 25.7%

Housing overview

Metric	Value
Median home value	$809,900
Median rent / month	$1,727
Owner occupied	58.1%
Renter occupied	41.9%
Vacant	19.7%
Single-family detached	70.6%
Large apartment buildings	1.6%
Mobile homes	7.3%
Median rooms	4.8
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.9%
2010–2019	8.0%
2000–2009	8.2%
1990–1999	7.4%
1980–1989	9.7%
1970–1979	18.1%
1960–1969	16.1%
1950–1959	19.5%
1940–1949	8.4%
1939 or earlier	3.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	13.6%
2 bedrooms	38.1%
3 bedrooms	36.9%
4 bedrooms	7.6%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	36.2%
2 vehicles	38.8%
3 or more	22.3%

Heating fuel

Fuel type	%
Utility gas	71.1%
Electricity	21.4%
Propane / LP gas	3.3%
Wood	0.5%
Solar	1.1%
No fuel used	1.3%

Households & families

Household type	Count	%
Married-couple family	2,289	44.7%
Cohabiting couple	300	5.9%
Male householder, no spouse	1,006	19.6%
Female householder, no spouse	1,528	29.8%
Households with children under 18	899	17.5%
Households with seniors (65+)	2,331	45.5%
Average household size	2.19

Marital status

Status	Male	Female
Never married	30.7%	25.3%
Married	50.1%	45.1%
Separated	2.3%	3.1%
Widowed	4.9%	11.0%
Divorced	12.1%	15.4%

Education

Less than 9th grade 2.1%

Some HS, no diploma 5.2%

HS graduate 14.1%

Some college, no degree 26.2%

Associate's degree 10.3%

Bachelor's degree 23.6%

Graduate / professional 18.4%

Metric	%
HS diploma or higher	92.6%
Bachelor's or higher	42.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	70	3.2%
Kindergarten	70	3.2%
Elementary school	589	27.3%
High school	594	27.5%
College / grad school	834	38.7%

Employment

Industry of employment

Retail trade 18.7%

Education & healthcare 18.2%

Professional & management 12.9%

Arts, food & hospitality 10.8%

Construction 8.9%

Public administration 8.1%

Finance & real estate 5.4%

Manufacturing 5.1%

Other services 4.0%

Transportation & utilities 2.8%

Wholesale trade 2.5%

Agriculture & mining 1.8%

Information 0.9%

Occupation

Category	%
Management, business & arts	35.5%
Service	19.0%
Sales & office	25.8%
Natural resources & construction	9.0%
Production & transportation	10.7%

Employment type

Type	%
Private sector	70.9%
Government	19.5%
Self-employed	9.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.0%
Carpool	7.6%
Public transit	0.6%
Walk	2.9%
Work from home	13.5%
Other means	2.4%
Avg commute (minutes)	22.0

Poverty

All people 10.1%

Under 18 years 19.4%

18 and over 8.8%

Married-couple families 3.2%

Female-led households 22.7%

Income support

Source	% of households
Social Security	40.3%
Retirement income	37.2%
Supplemental Security	7.5%
Cash public assistance	2.3%
Food stamps / SNAP	6.5%

Health indicators

Condition	%
Obesity	26.6%
High blood pressure	31.5%
High cholesterol	34.4%
Diabetes	9.8%
Heart disease	7.2%
Stroke	3.2%
Asthma	9.5%
Arthritis	25.7%
Kidney disease	3.2%
Pulmonary disease	6.9%
Cancer	8.5%

Behavior / access	%
Smoking	10.5%
Binge drinking	17.5%
No physical activity	17.8%
Less than 7 hrs sleep	29.0%
Depression	17.9%
Fair or poor health	12.9%
Poor mental health	13.1%
Poor physical health	10.1%
No health insurance	8.8%
Visited doctor (checkup)	70.5%
Visited dentist	71.8%
Cholesterol screening	92.9%
Teeth loss	9.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,133	11.4%

Disability	%
Any disability	16.1%
Under 18	2.4%
18–64 years	14.6%
65 and over	25.3%

Health insurance coverage

Type	%
Private insurance	79.5%
Public insurance	41.3%
No insurance	2.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,058	97.0%
Spanish	405	3.7%
Other Indo-European	220	2.0%
Asian & Pacific Islander	148	1.3%
Other languages	27	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,687	93.8%
Born in same state	10,556	92.6%
Born in different state	7,248	63.6%
Foreign born	131	1.1%
Naturalized citizen	712	6.2%
Not a US citizen	285	40.0%

Ancestry

Ancestry	Count	%
French	2,417	21.2%
Italian	1,736	15.2%
Arab	448	3.9%
Polish	284	2.5%
English	240	2.1%

Ancestry	Count	%
Dutch	229	2%
German	61	0.5%
Irish	48	0.4%
Norwegian	24	0.2%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	96.4%

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

Frequently asked questions about ZIP code 93442

What city is ZIP code 93442 in?

ZIP code 93442 is primarily assigned to Morro Bay, California.

What county is ZIP code 93442 in?

ZIP code 93442 falls within San Luis Obispo County, California.

Does ZIP code 93442 have an older population?

29% of residents in ZIP code 93442 are 65 or older, above the national average of ~17%.

Does ZIP code 93442 have a large retiree population?

40% of households in ZIP code 93442 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 93442 have a large veteran population?

11% of civilians in ZIP code 93442 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 93442?

The median home value in ZIP code 93442 is $809,900.

What timezone is ZIP code 93442 in?

ZIP code 93442 observes the PST timezone.