93445 ZIP Code — Oceano, CA

San Luis Obispo County, California

ZIP code 93445 is located in Oceano, California, within San Luis Obispo County. It covers approximately 17.02 square miles and serves a population of 6,912 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 805.

About ZIP code 93445

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $491,100. Owner-occupancy sits near the national average at 64%.

Median household income is $73,293. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 18 minutes is near the national average.

College attainment at 17% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 93445 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

6,912

population

17.02

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

93445 ZIP code map

Cities in ZIP code 93445

Below are the cities the US Postal Service accepts for ZIP code 93445. Using any city not on this list may result in mail delivery delays.

City	Status
Oceano	Preferred

Nearby ZIP codes

93433 Grover Beach (1 mi) 93449 Pismo Beach (4.2 mi) 93444 Nipomo (7.8 mi) 93401 San Luis Obispo (10.1 mi) 93434 Guadalupe (12 mi) 93410 San Luis Obispo (12.2 mi) 93408 San Luis Obispo (12.2 mi) 93458 Santa Maria (12.4 mi) 93409 San Luis Obispo (12.6 mi) 93407 San Luis Obispo (13.6 mi) 93405 San Luis Obispo (13.9 mi) 93420 Arroyo Grande (14.4 mi)

Demographics updated 05/2026

Population
Total population	6,912
Population density	406 / sq mi
State FIPS	06
County FIPS	079

Geography
Land area	17.02 sq mi
Water area	1.25 sq mi
Latitude	35.1082
Longitude	-120.6139
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	37.7%	31.9%	32.6%
$50k – $100k	36.5%	29.7%	27.7%
$100k – $200k	22.4%	28.2%	26.4%
Over $200k	3.3%	10.2%	13.3%

Demographics & statistics

6,912

Population

406

People per sq mi

44.5

Median age

$73,293

Median household income

$36,294

Per capita income

$491,100

Median home value

$1,301

Median monthly rent

63.6%

Home ownership

14.2%

Poverty rate

3.5%

Unemployment

2,284

Housing units

16.8%

Bachelor's or higher

Age distribution

Male Female

240

Under 5

224

177

5–9

165

208

10–14

195

177

15–19

165

181

20–24

169

402

25–34

376

451

35–44

421

498

45–54

466

148

55–59

139

157

60–64

147

465

65–74

435

329

75–84

307

140

85+

130

← Male

Female →

Age summary

Group	Count	%
Under 18	1,504	21.8%
18 and over	5,408	78.2%
65 and over	1,806	26.1%
Median age	44.5 years

Race & ethnicity

White 51.4%

Hispanic or Latino 21.6%

Other race 13.6%

Two or more races 10.5%

Black or African American 1.4%

Asian 1%

American Indian / Alaska Native 0.5%

Group	Count	%
White	4,532	51.4%
Hispanic or Latino	1,900	21.6%
Other race	1,201	13.6%
Two or more races	922	10.5%
Black or African American	123	1.4%
Asian	87	1%
American Indian / Alaska Native	47	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.7%	31.9%	32.6%
$50k – $100k	36.5%	29.7%	27.7%
$100k – $200k	22.4%	28.2%	26.4%
Over $200k	3.3%	10.2%	13.3%

Under $10k 6.9%

$10k–$15k 3.0%

$15k–$25k 8.6%

$25k–$35k 14.1%

$35k–$50k 6.0%

$50k–$75k 16.6%

$75k–$100k 14.9%

$100k–$150k 14.4%

$150k–$200k 11.7%

$200k+ 3.8%

Range	% of households
Under $10k	6.9%
$10k–$15k	3.0%
$15k–$25k	8.6%
$25k–$35k	14.1%
$35k–$50k	6.0%
$50k–$75k	16.6%
$75k–$100k	14.9%
$100k–$150k	14.4%
$150k–$200k	11.7%
$200k+	3.8%
Median income	$73,293

Housing

Home values

Under $50k 1.4%

$50k–$100k 1.9%

$100k–$150k 10.3%

$150k–$200k 0.5%

$200k–$300k 4.2%

$300k–$500k 33.6%

$500k–$1M 45.3%

$1M+ 2.7%

Housing overview

Metric	Value
Median home value	$491,100
Median rent / month	$1,301
Owner occupied	63.6%
Renter occupied	36.4%
Vacant	14.6%
Single-family detached	53.5%
Large apartment buildings	0.0%
Mobile homes	19.2%
Median rooms	4.8
Avg household size (owned)	2.42

Year built

Era	%
2020 or later	0.0%
2010–2019	5.0%
2000–2009	9.8%
1990–1999	9.1%
1980–1989	28.9%
1970–1979	18.7%
1960–1969	8.5%
1950–1959	8.6%
1940–1949	9.7%
1939 or earlier	1.7%

Bedrooms

Size	% of units
No bedroom (studio)	3.6%
1 bedroom	14.2%
2 bedrooms	32.0%
3 bedrooms	45.0%
4 bedrooms	5.2%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.8%
1 vehicle	38.2%
2 vehicles	21.7%
3 or more	34.2%

Heating fuel

Fuel type	%
Utility gas	81.5%
Electricity	15.1%
Propane / LP gas	0.5%
No fuel used	2.9%

Households & families

Household type	Count	%
Married-couple family	1,085	38.4%
Cohabiting couple	116	4.1%
Male householder, no spouse	690	24.4%
Female householder, no spouse	938	33.2%
Households with children under 18	797	28.2%
Households with seniors (65+)	1,397	49.4%
Average household size	2.44

Marital status

Status	Male	Female
Never married	37.0%	18.3%
Married	48.0%	47.0%
Separated	3.2%	2.4%
Widowed	3.5%	8.4%
Divorced	8.3%	23.9%

Education

Less than 9th grade 8.3%

Some HS, no diploma 11.0%

HS graduate 20.1%

Some college, no degree 29.1%

Associate's degree 14.7%

Bachelor's degree 13.0%

Graduate / professional 3.8%

Metric	%
HS diploma or higher	80.8%
Bachelor's or higher	16.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	27	1.8%
Kindergarten	144	9.4%
Elementary school	620	40.3%
High school	321	20.9%
College / grad school	427	27.7%

Employment

Industry of employment

Education & healthcare 21.5%

Construction 14.7%

Retail trade 12.4%

Arts, food & hospitality 11.4%

Manufacturing 8.8%

Transportation & utilities 8.3%

Professional & management 7.1%

Other services 5.7%

Agriculture & mining 2.7%

Wholesale trade 2.5%

Finance & real estate 2.1%

Public administration 1.9%

Information 0.9%

Occupation

Category	%
Management, business & arts	25.9%
Service	27.6%
Sales & office	17.9%
Natural resources & construction	16.2%
Production & transportation	12.5%

Employment type

Type	%
Private sector	76.2%
Government	12.3%
Self-employed	11.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.1%
Carpool	10.2%
Public transit	1.2%
Walk	2.2%
Work from home	11.1%
Other means	1.2%
Avg commute (minutes)	18.4

Poverty

All people 14.2%

Under 18 years 27.8%

18 and over 10.4%

Married-couple families 6.8%

Female-led households 12.1%

Income support

Source	% of households
Social Security	50.2%
Retirement income	20.7%
Supplemental Security	4.1%
Cash public assistance	1.3%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	30.5%
High blood pressure	27.0%
High cholesterol	29.8%
Diabetes	10.0%
Heart disease	5.7%
Stroke	2.7%
Asthma	9.9%
Arthritis	20.3%
Kidney disease	2.8%
Pulmonary disease	6.3%
Cancer	5.5%

Behavior / access	%
Smoking	13.3%
Binge drinking	19.0%
No physical activity	22.3%
Less than 7 hrs sleep	32.2%
Depression	18.9%
Fair or poor health	16.1%
Poor mental health	15.6%
Poor physical health	10.9%
No health insurance	16.4%
Visited doctor (checkup)	65.7%
Visited dentist	63.2%
Cholesterol screening	89.2%
Teeth loss	12.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	724	13.4%

Disability	%
Any disability	18.8%
Under 18	6.4%
18–64 years	12.3%
65 and over	41.8%

Health insurance coverage

Type	%
Private insurance	64.7%
Public insurance	43.9%
No insurance	8.8%
Uninsured under 19	6.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,448	93.3%
Spanish	853	13.2%
Other Indo-European	853	13.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,720	82.8%
Born in same state	5,578	80.7%
Born in different state	4,333	62.7%
Foreign born	142	2.1%
Naturalized citizen	1,192	17.2%
Not a US citizen	616	51.7%

Ancestry

Ancestry	Count	%
French	871	12.6%
Italian	696	10.1%
English	162	2.3%
Polish	109	1.6%

Ancestry	Count	%
Arab	107	1.5%
Dutch	30	0.4%
German	23	0.3%

Technology access

Metric	% of households
Computer access	40.9%
Internet access	93.1%

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

Frequently asked questions about ZIP code 93445

What city is ZIP code 93445 in?

ZIP code 93445 is primarily assigned to Oceano, California.

What county is ZIP code 93445 in?

ZIP code 93445 falls within San Luis Obispo County, California.

Does ZIP code 93445 have an older population?

26% of residents in ZIP code 93445 are 65 or older, above the national average of ~17%.

Does ZIP code 93445 have a large retiree population?

50% of households in ZIP code 93445 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 93445 have a large veteran population?

13% of civilians in ZIP code 93445 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 93445?

The median home value in ZIP code 93445 is $491,100.

What timezone is ZIP code 93445 in?

ZIP code 93445 observes the PST timezone.