94038 ZIP Code — Moss Beach, CA

San Mateo County, California

ZIP code 94038 is located in Moss Beach, California, within San Mateo County. It covers approximately 5.95 square miles and serves a population of 3,165 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 650.

About ZIP code 94038

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 $1,080,400. Owner-occupancy is high at 94%, well above the national average.

The gap between median ($116,950) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 30 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 94038 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

3,165

population

5.95

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94038 ZIP code map

Cities in ZIP code 94038

Below are the cities the US Postal Service accepts for ZIP code 94038. Using any city not on this list may result in mail delivery delays.

City	Status
Moss Beach	Preferred

Nearby ZIP codes

94044 Pacifica (5.4 mi) 94019 Half Moon Bay (6.2 mi) 94066 San Bruno (6.4 mi) 94030 Millbrae (6.4 mi) 94010 Burlingame (7 mi) 94128 San Francisco (8.4 mi) 94402 San Mateo (8.8 mi) 94080 South San Francisco (9.1 mi) 94497 San Mateo (9.3 mi) 94015 Daly City (9.6 mi) 94401 San Mateo (9.7 mi) 94403 San Mateo (10.2 mi)

Demographics updated 06/2026

Population
Total population	3,165
Population density	532 / sq mi
State FIPS	06
County FIPS	081

Geography
Land area	5.95 sq mi
Water area	0.00 sq mi
Latitude	37.5372
Longitude	-122.4908
Timezone	Pacific (PT)
Area code	650

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	18.4%	32.6%
$50k – $100k	28.3%	20.5%	27.7%
$100k – $200k	34.9%	30.5%	26.4%
Over $200k	21.7%	30.6%	13.3%

Demographics & statistics

3,165

Population

532

People per sq mi

46.6

Median age

$116,950

Median household income

$53,619

Per capita income

$1,080,400

Median home value

Median monthly rent

93.5%

Home ownership

5.3%

Poverty rate

0.2%

Unemployment

1,054

Housing units

51.9%

Bachelor's or higher

Age distribution

Male Female

110

Under 5

103

5–9

10–14

162

15–19

150

20–24

25–34

209

35–44

194

288

45–54

269

55–59

60–64

256

65–74

238

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	776	24.5%
18 and over	2,389	75.5%
65 and over	772	24.4%
Median age	46.6 years

Race & ethnicity

White 60.5%

Hispanic or Latino 14.6%

Other race 13.2%

Two or more races 6.3%

Asian 4.6%

American Indian / Alaska Native 0.4%

Black or African American 0.4%

Group	Count	%
White	2,241	60.5%
Hispanic or Latino	539	14.6%
Other race	490	13.2%
Two or more races	235	6.3%
Asian	169	4.6%
American Indian / Alaska Native	16	0.4%
Black or African American	14	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	18.4%	32.6%
$50k – $100k	28.3%	20.5%	27.7%
$100k – $200k	34.9%	30.5%	26.4%
Over $200k	21.7%	30.6%	13.3%

$10k–$15k 7.9%

$15k–$25k 4.2%

$35k–$50k 2.6%

$50k–$75k 16.9%

$75k–$100k 14.4%

$100k–$150k 16.1%

$150k–$200k 6.2%

$200k+ 31.7%

Range	% of households
$10k–$15k	7.9%
$15k–$25k	4.2%
$35k–$50k	2.6%
$50k–$75k	16.9%
$75k–$100k	14.4%
$100k–$150k	16.1%
$150k–$200k	6.2%
$200k+	31.7%
Median income	$116,950

Housing

Home values

Under $50k 16.3%

$100k–$150k 6.7%

$200k–$300k 7.4%

$300k–$500k 1.0%

$500k–$1M 7.8%

$1M+ 60.8%

Housing overview

Metric	Value
Median home value	$1,080,400
Median rent / month	$0
Owner occupied	93.5%
Renter occupied	6.5%
Vacant	3.4%
Single-family detached	72.4%
Large apartment buildings	0.0%
Mobile homes	21.6%
Median rooms	5.5
Avg household size (owned)	2.85

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	0.0%
1990–1999	3.1%
1980–1989	20.5%
1970–1979	37.2%
1960–1969	16.5%
1950–1959	12.4%
1940–1949	5.1%
1939 or earlier	5.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	7.4%
2 bedrooms	27.9%
3 bedrooms	51.6%
4 bedrooms	8.8%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	28.3%
2 vehicles	25.3%
3 or more	42.3%

Heating fuel

Fuel type	%
Utility gas	66.6%
Electricity	24.4%
Wood	9.0%

Households & families

Household type	Count	%
Married-couple family	624	57.4%
Cohabiting couple	58	5.3%
Male householder, no spouse	116	10.7%
Female householder, no spouse	289	26.6%
Households with children under 18	371	34.1%
Households with seniors (65+)	459	42.2%
Average household size	2.79

Marital status

Status	Male	Female
Never married	34.2%	30.4%
Married	55.4%	45.1%
Separated	1.5%	2.4%
Widowed	4.4%	10.5%
Divorced	4.4%	11.6%

Education

Less than 9th grade 8.3%

Some HS, no diploma 8.0%

HS graduate 8.4%

Some college, no degree 18.8%

Associate's degree 4.6%

Bachelor's degree 34.7%

Graduate / professional 17.1%

Metric	%
HS diploma or higher	83.7%
Bachelor's or higher	51.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	85	10.4%
Kindergarten	61	7.4%
Elementary school	251	30.6%
High school	230	28.1%
College / grad school	192	23.4%

Employment

Industry of employment

Professional & management 25.1%

Other services 17.6%

Retail trade 11.5%

Arts, food & hospitality 11.2%

Education & healthcare 6.8%

Construction 6.5%

Agriculture & mining 6.0%

Information 5.5%

Transportation & utilities 3.4%

Public administration 2.4%

Manufacturing 1.3%

Wholesale trade 1.3%

Finance & real estate 1.3%

Occupation

Category	%
Management, business & arts	46.6%
Service	24.1%
Sales & office	13.9%
Natural resources & construction	12.7%
Production & transportation	2.6%

Employment type

Type	%
Private sector	68.4%
Government	14.0%
Self-employed	17.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	46.5%
Carpool	17.4%
Public transit	9.5%
Walk	1.0%
Work from home	21.7%
Other means	3.8%
Avg commute (minutes)	29.5

Poverty

All people 5.3%

Under 18 years 0.0%

18 and over 7.1%

Married-couple families 0.0%

Female-led households 25.0%

Income support

Source	% of households
Social Security	41.3%
Retirement income	27.5%
Supplemental Security	5.9%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	24.0%
High blood pressure	25.4%
High cholesterol	32.4%
Diabetes	8.0%
Heart disease	4.7%
Stroke	2.1%
Asthma	8.9%
Arthritis	19.6%
Kidney disease	2.3%
Pulmonary disease	4.5%
Cancer	6.4%

Behavior / access	%
Smoking	8.7%
Binge drinking	18.9%
No physical activity	14.5%
Less than 7 hrs sleep	27.3%
Depression	15.8%
Fair or poor health	9.9%
Poor mental health	12.1%
Poor physical health	7.9%
No health insurance	8.4%
Visited doctor (checkup)	67.8%
Visited dentist	75.6%
Cholesterol screening	93.7%
Teeth loss	6.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	99	4.1%

Disability	%
Any disability	10.4%
Under 18	8.9%
18–64 years	2.5%
65 and over	30.1%

Health insurance coverage

Type	%
Private insurance	77.4%
Public insurance	37.9%
No insurance	0.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,952	93.3%
Spanish	444	15.0%
Other Indo-European	362	12.3%
Asian & Pacific Islander	48	1.6%
Other languages	34	1.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,401	75.9%
Born in same state	2,389	75.5%
Born in different state	1,581	50.0%
Foreign born	12	0.4%
Naturalized citizen	764	24.1%
Not a US citizen	507	66.4%

Ancestry

Ancestry	Count	%
French	440	13.9%
Italian	173	5.5%
Arab	134	4.2%

Ancestry	Count	%
English	78	2.5%
Polish	25	0.8%
German	23	0.7%

Technology access

Metric	% of households
Computer access	34.3%
Internet access	96.0%

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

Frequently asked questions about ZIP code 94038

What city is ZIP code 94038 in?

ZIP code 94038 is primarily assigned to Moss Beach, California.

What county is ZIP code 94038 in?

ZIP code 94038 falls within San Mateo County, California.

Is ZIP code 94038 mostly owner-occupied?

94% of occupied units in ZIP code 94038 are owner-occupied, well above the national average.

How educated is the population of ZIP code 94038?

52% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 94038 have a large retiree population?

41% of households in ZIP code 94038 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 94038?

The median home value in ZIP code 94038 is $1,080,400.

What timezone is ZIP code 94038 in?

ZIP code 94038 observes the PST timezone.