94401 ZIP Code — San Mateo, CA

San Mateo County, California

ZIP code 94401 is located in San Mateo, California, within San Mateo County. It covers approximately 3.11 square miles and serves a population of 35,392 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 650.

About ZIP code 94401

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1950s, giving the area an established character. Median home value is $1,093,400. Owner-occupancy sits near the national average at 45%.

The gap between median ($117,678) and mean household income suggests income inequality — a small number of higher earners pull the average up.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include Spanish spoken in 25% of households.

35,392

population

3.11

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94401 ZIP code map

Cities in ZIP code 94401

Below are the cities the US Postal Service accepts for ZIP code 94401. Using any city not on this list may result in mail delivery delays.

City	Status
San Mateo	Preferred

Nearby ZIP codes

94497 San Mateo (0.8 mi) 94402 San Mateo (2.4 mi) 94403 San Mateo (2.5 mi) 94010 Burlingame (2.8 mi) 94404 San Mateo (3.1 mi) 94002 Belmont (4.4 mi) 94128 San Francisco (4.6 mi) 94065 Redwood City (4.8 mi) 94030 Millbrae (4.9 mi) 94070 San Carlos (6.2 mi) 94066 San Bruno (7 mi) 94063 Redwood City (7.9 mi)

Demographics updated 06/2026

Population
Total population	35,392
Population density	11,380 / sq mi
State FIPS	06
County FIPS	081

Geography
Land area	3.11 sq mi
Water area	0.00 sq mi
Latitude	37.5742
Longitude	-122.3194
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	28.7%	18.4%	32.6%
$50k – $100k	23.2%	20.5%	27.7%
$100k – $200k	29.6%	30.5%	26.4%
Over $200k	18.5%	30.6%	13.3%

Demographics & statistics

35,392

Population

11,380

People per sq mi

35.6

Median age

$117,678

Median household income

$58,578

Per capita income

$1,093,400

Median home value

$2,649

Median monthly rent

45.1%

Home ownership

9.7%

Poverty rate

5.0%

Unemployment

6,870

Housing units

45.9%

Bachelor's or higher

Age distribution

Male Female

1,095

Under 5

1,060

1,039

5–9

1,006

781

10–14

756

901

15–19

873

1,079

20–24

1,045

3,755

25–34

3,636

2,684

35–44

2,599

1,865

45–54

1,805

931

55–59

901

1,029

60–64

996

1,454

65–74

1,408

713

75–84

691

655

85+

635

← Male

Female →

Age summary

Group	Count	%
Under 18	6,636	18.8%
18 and over	28,756	81.3%
65 and over	5,556	15.7%
Median age	35.6 years

Race & ethnicity

White 27.5%

Hispanic or Latino 22.6%

Asian 18.1%

Other race 14.9%

Two or more races 12%

Native Hawaiian / Pacific Islander 2.2%

Black or African American 1.5%

American Indian / Alaska Native 1.2%

Group	Count	%
White	12,552	27.5%
Hispanic or Latino	10,316	22.6%
Asian	8,282	18.1%
Other race	6,831	14.9%
Two or more races	5,470	12%
Native Hawaiian / Pacific Islander	986	2.2%
Black or African American	708	1.5%
American Indian / Alaska Native	563	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.7%	18.4%	32.6%
$50k – $100k	23.2%	20.5%	27.7%
$100k – $200k	29.6%	30.5%	26.4%
Over $200k	18.5%	30.6%	13.3%

Under $10k 3.6%

$10k–$15k 2.1%

$15k–$25k 5.4%

$25k–$35k 4.0%

$35k–$50k 8.8%

$50k–$75k 10.5%

$75k–$100k 8.7%

$100k–$150k 16.4%

$150k–$200k 16.0%

$200k+ 24.6%

Range	% of households
Under $10k	3.6%
$10k–$15k	2.1%
$15k–$25k	5.4%
$25k–$35k	4.0%
$35k–$50k	8.8%
$50k–$75k	10.5%
$75k–$100k	8.7%
$100k–$150k	16.4%
$150k–$200k	16.0%
$200k+	24.6%
Median income	$117,678

Housing

Home values

Under $50k 1.1%

$50k–$100k 0.4%

$100k–$150k 0.5%

$200k–$300k 1.1%

$300k–$500k 3.0%

$500k–$1M 34.6%

$1M+ 59.2%

Housing overview

Metric	Value
Median home value	$1,093,400
Median rent / month	$2,649
Owner occupied	45.1%
Renter occupied	54.9%
Vacant	7.2%
Single-family detached	30.8%
Large apartment buildings	32.3%
Mobile homes	0.2%
Median rooms	4.1
Avg household size (owned)	2.57

Year built

Era	%
2020 or later	0.1%
2010–2019	2.5%
2000–2009	4.0%
1990–1999	7.3%
1980–1989	15.4%
1970–1979	12.1%
1960–1969	16.9%
1950–1959	21.6%
1940–1949	10.9%
1939 or earlier	9.3%

Bedrooms

Size	% of units
No bedroom (studio)	8.7%
1 bedroom	24.6%
2 bedrooms	38.2%
3 bedrooms	21.4%
4 bedrooms	5.1%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	8.4%
1 vehicle	39.4%
2 vehicles	35.0%
3 or more	17.2%

Heating fuel

Fuel type	%
Utility gas	52.2%
Electricity	40.0%
Propane / LP gas	2.9%
Fuel oil	0.5%
Wood	0.2%
Solar	0.2%
No fuel used	4.0%

Households & families

Household type	Count	%
Married-couple family	5,265	40.5%
Cohabiting couple	1,286	9.9%
Male householder, no spouse	2,922	22.5%
Female householder, no spouse	3,520	27.1%
Households with children under 18	3,543	27.3%
Households with seniors (65+)	3,839	29.5%
Average household size	2.65

Marital status

Status	Male	Female
Never married	45.1%	35.1%
Married	42.1%	40.8%
Separated	1.1%	3.0%
Widowed	2.3%	10.6%
Divorced	9.5%	10.5%

Education

Less than 9th grade 9.9%

Some HS, no diploma 5.1%

HS graduate 16.1%

Some college, no degree 16.1%

Associate's degree 6.9%

Bachelor's degree 26.6%

Graduate / professional 19.3%

Metric	%
HS diploma or higher	85.0%
Bachelor's or higher	45.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	560	6.4%
Kindergarten	263	3.0%
Elementary school	2,801	32.0%
High school	1,497	17.1%
College / grad school	3,619	41.4%

Employment

Industry of employment

Professional & management 24.2%

Education & healthcare 17.7%

Retail trade 9.1%

Arts, food & hospitality 7.9%

Construction 7.7%

Finance & real estate 7.1%

Manufacturing 5.8%

Other services 5.4%

Transportation & utilities 5.0%

Information 4.1%

Public administration 3.0%

Wholesale trade 2.4%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	46.7%
Service	18.5%
Sales & office	15.9%
Natural resources & construction	10.8%
Production & transportation	8.1%

Employment type

Type	%
Private sector	84.6%
Government	9.1%
Self-employed	6.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	58.1%
Carpool	10.6%
Public transit	8.0%
Walk	2.5%
Work from home	16.2%
Other means	4.6%
Avg commute (minutes)	28.4

Poverty

All people 9.7%

Under 18 years 9.3%

18 and over 9.8%

Married-couple families 6.4%

Female-led households 8.1%

Income support

Source	% of households
Social Security	24.2%
Retirement income	18.0%
Supplemental Security	5.2%
Cash public assistance	1.5%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	25.0%
High blood pressure	25.1%
High cholesterol	29.0%
Diabetes	9.3%
Heart disease	4.9%
Stroke	2.5%
Asthma	9.1%
Arthritis	17.8%
Kidney disease	2.5%
Pulmonary disease	4.8%
Cancer	5.3%

Behavior / access	%
Smoking	11.3%
Binge drinking	17.5%
No physical activity	20.5%
Less than 7 hrs sleep	30.3%
Depression	15.2%
Fair or poor health	14.2%
Poor mental health	13.6%
Poor physical health	9.0%
No health insurance	15.2%
Visited doctor (checkup)	65.4%
Visited dentist	64.6%
Cholesterol screening	89.8%
Teeth loss	10.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	831	2.9%

Disability	%
Any disability	10.9%
Under 18	5.6%
18–64 years	6.8%
65 and over	34.7%

Health insurance coverage

Type	%
Private insurance	72.1%
Public insurance	33.1%
No insurance	5.5%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	33,237	93.9%
Spanish	8,155	24.5%
Other Indo-European	5,282	15.9%
Asian & Pacific Islander	848	2.6%
Other languages	1,901	5.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,273	57.3%
Born in same state	19,719	55.7%
Born in different state	15,389	43.5%
Foreign born	554	1.6%
Naturalized citizen	15,119	42.7%
Not a US citizen	6,340	41.9%

Ancestry

Ancestry	Count	%
Italian	1,719	4.9%
French	1,078	3%
Arab	919	2.6%
Polish	176	0.5%
Irish	137	0.4%

Ancestry	Count	%
German	103	0.3%
Norwegian	66	0.2%
English	50	0.1%
Dutch	31	0.1%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	98.1%

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

Frequently asked questions about ZIP code 94401

What city is ZIP code 94401 in?

ZIP code 94401 is primarily assigned to San Mateo, California.

What county is ZIP code 94401 in?

ZIP code 94401 falls within San Mateo County, California.

Is Spanish widely spoken in ZIP code 94401?

Approximately 25% of households in ZIP code 94401 speak Spanish as a primary language.

How educated is the population of ZIP code 94401?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 94401?

The median home value in ZIP code 94401 is $1,093,400.

What is the median household income in ZIP code 94401?

The median household income in ZIP code 94401 is $117,678, above the national median of ~$75,000.

What timezone is ZIP code 94401 in?

ZIP code 94401 observes the PST timezone.