93405 ZIP Code — San Luis Obispo, CA

San Luis Obispo County, California

ZIP code 93405 is located in San Luis Obispo, California, within San Luis Obispo County. It covers approximately 89.72 square miles and serves a population of 24,991 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 805/820.

About ZIP code 93405

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $863,500. Renters make up the majority at 67%, typical of denser urban areas.

The gap between median ($48,388) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 46% of residents, above the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 14 minutes is near the national average.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 93405 reflects a community defined by a highly educated population and economic challenges above the national average.

24,991

population

89.72

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

93405 ZIP code map

Cities in ZIP code 93405

Below are the cities the US Postal Service accepts for ZIP code 93405. Using any city not on this list may result in mail delivery delays.

City	Status
San Luis Obispo	Acceptable
San Luis Obispo	Preferred

Nearby ZIP codes

93402 Los Osos (3.6 mi) 93409 San Luis Obispo (5.2 mi) 93410 San Luis Obispo (5.6 mi) 93408 San Luis Obispo (5.6 mi) 93407 San Luis Obispo (6.1 mi) 93401 San Luis Obispo (7.9 mi) 93442 Morro Bay (9.1 mi) 93449 Pismo Beach (9.6 mi) 93433 Grover Beach (12.9 mi) 93422 Atascadero (13.8 mi) 93445 Oceano (13.9 mi) 93430 Cayucos (17.1 mi)

Demographics updated 05/2026

Population
Total population	24,991
Population density	279 / sq mi
State FIPS	06
County FIPS	079

Geography
Land area	89.72 sq mi
Water area	0.17 sq mi
Latitude	35.2692
Longitude	-120.7601
Timezone	Pacific (PT)
Area code	805/820

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.1%	31.9%	32.6%
$50k – $100k	20.6%	29.7%	27.7%
$100k – $200k	17.7%	28.2%	26.4%
Over $200k	10.6%	10.2%	13.3%

Demographics & statistics

24,991

Population

279

People per sq mi

22.7

Median age

$48,388

Median household income

$30,089

Per capita income

$863,500

Median home value

$1,904

Median monthly rent

33.1%

Home ownership

45.9%

Poverty rate

10.6%

Unemployment

3,792

Housing units

50.3%

Bachelor's or higher

Age distribution

Male Female

226

Under 5

197

277

5–9

241

245

10–14

214

1,399

15–19

1,218

6,250

20–24

5,445

1,468

25–34

1,278

619

35–44

539

593

45–54

516

354

55–59

309

481

60–64

419

738

65–74

643

455

75–84

396

252

85+

219

← Male

Female →

Age summary

Group	Count	%
Under 18	1,729	6.9%
18 and over	23,262	93.1%
65 and over	2,703	10.8%
Median age	22.7 years

Race & ethnicity

White 74.8%

Two or more races 8.5%

Hispanic or Latino 6.5%

Asian 6.2%

Other race 2.8%

Black or African American 0.6%

American Indian / Alaska Native 0.6%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	19,978	74.8%
Two or more races	2,265	8.5%
Hispanic or Latino	1,731	6.5%
Asian	1,649	6.2%
Other race	740	2.8%
Black or African American	172	0.6%
American Indian / Alaska Native	157	0.6%
Native Hawaiian / Pacific Islander	30	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	51.1%	31.9%	32.6%
$50k – $100k	20.6%	29.7%	27.7%
$100k – $200k	17.7%	28.2%	26.4%
Over $200k	10.6%	10.2%	13.3%

Under $10k 13.8%

$10k–$15k 5.9%

$15k–$25k 11.8%

$25k–$35k 9.4%

$35k–$50k 10.3%

$50k–$75k 13.4%

$75k–$100k 6.5%

$100k–$150k 8.9%

$150k–$200k 7.1%

$200k+ 12.9%

Range	% of households
Under $10k	13.8%
$10k–$15k	5.9%
$15k–$25k	11.8%
$25k–$35k	9.4%
$35k–$50k	10.3%
$50k–$75k	13.4%
$75k–$100k	6.5%
$100k–$150k	8.9%
$150k–$200k	7.1%
$200k+	12.9%
Median income	$48,388

Housing

Home values

Under $50k 1.0%

$50k–$100k 2.1%

$100k–$150k 0.4%

$150k–$200k 1.8%

$200k–$300k 2.5%

$300k–$500k 7.2%

$500k–$1M 53.7%

$1M+ 31.3%

Housing overview

Metric	Value
Median home value	$863,500
Median rent / month	$1,904
Owner occupied	33.1%
Renter occupied	66.9%
Vacant	10.6%
Single-family detached	47.3%
Large apartment buildings	15.1%
Mobile homes	3.7%
Median rooms	5.0
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.0%
2010–2019	2.1%
2000–2009	9.4%
1990–1999	13.1%
1980–1989	14.5%
1970–1979	25.2%
1960–1969	14.7%
1950–1959	12.6%
1940–1949	2.7%
1939 or earlier	5.8%

Bedrooms

Size	% of units
No bedroom (studio)	6.6%
1 bedroom	8.6%
2 bedrooms	31.0%
3 bedrooms	30.4%
4 bedrooms	17.2%
5+ bedrooms	6.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	26.6%
2 vehicles	34.4%
3 or more	32.5%

Heating fuel

Fuel type	%
Utility gas	57.7%
Electricity	32.8%
Propane / LP gas	2.7%
Wood	0.5%
Solar	0.9%
No fuel used	5.3%

Households & families

Household type	Count	%
Married-couple family	1,956	23.2%
Cohabiting couple	675	8.0%
Male householder, no spouse	2,899	34.4%
Female householder, no spouse	2,909	34.5%
Households with children under 18	916	10.9%
Households with seniors (65+)	1,955	23.2%
Average household size	2.72

Marital status

Status	Male	Female
Never married	77.2%	69.8%
Married	16.9%	20.1%
Separated	1.6%	0.6%
Widowed	1.8%	4.8%
Divorced	2.5%	4.6%

Education

Less than 9th grade 3.2%

Some HS, no diploma 2.6%

HS graduate 12.6%

Some college, no degree 22.0%

Associate's degree 9.3%

Bachelor's degree 28.5%

Graduate / professional 21.8%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	50.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	255	1.8%
Kindergarten	124	0.9%
Elementary school	696	4.9%
High school	463	3.3%
College / grad school	12,649	89.2%

Employment

Industry of employment

Education & healthcare 24.0%

Arts, food & hospitality 20.1%

Retail trade 12.5%

Professional & management 12.2%

Manufacturing 7.8%

Construction 4.7%

Other services 4.7%

Transportation & utilities 4.5%

Public administration 4.1%

Finance & real estate 3.1%

Agriculture & mining 1.1%

Information 0.8%

Wholesale trade 0.3%

Occupation

Category	%
Management, business & arts	40.6%
Service	25.3%
Sales & office	20.1%
Natural resources & construction	5.7%
Production & transportation	8.3%

Employment type

Type	%
Private sector	75.0%
Government	20.2%
Self-employed	4.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.2%
Carpool	9.7%
Public transit	1.4%
Walk	7.9%
Work from home	11.4%
Other means	6.5%
Avg commute (minutes)	14.0

Poverty

All people 45.9%

Under 18 years 17.5%

18 and over 48.1%

Married-couple families 1.5%

Female-led households 12.4%

Income support

Source	% of households
Social Security	20.4%
Retirement income	17.3%
Supplemental Security	2.9%
Cash public assistance	1.6%
Food stamps / SNAP	3.9%

Health indicators

Condition	%
Obesity	27.9%
High blood pressure	21.6%
High cholesterol	20.9%
Diabetes	6.8%
Heart disease	4.1%
Stroke	2.1%
Asthma	11.4%
Arthritis	13.4%
Kidney disease	2.2%
Pulmonary disease	5.5%
Cancer	3.3%

Behavior / access	%
Smoking	14.2%
Binge drinking	22.2%
No physical activity	20.9%
Less than 7 hrs sleep	33.3%
Depression	21.1%
Fair or poor health	15.6%
Poor mental health	19.7%
Poor physical health	10.0%
No health insurance	13.8%
Visited doctor (checkup)	63.5%
Visited dentist	56.1%
Cholesterol screening	78.8%
Teeth loss	13.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	845	3.7%

Disability	%
Any disability	8.2%
Under 18	3.2%
18–64 years	5.5%
65 and over	31.6%

Health insurance coverage

Type	%
Private insurance	83.7%
Public insurance	21.8%
No insurance	3.6%
Uninsured under 19	4.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,568	98.3%
Spanish	711	2.9%
Other Indo-European	409	1.7%
Asian & Pacific Islander	111	0.5%
Other languages	159	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	23,195	92.8%
Born in same state	22,455	89.9%
Born in different state	17,160	68.7%
Foreign born	740	3.0%
Naturalized citizen	1,796	7.2%
Not a US citizen	978	54.5%

Ancestry

Ancestry	Count	%
French	2,886	11.5%
Italian	2,711	10.8%
Arab	627	2.5%
Polish	349	1.4%
Dutch	213	0.9%

Ancestry	Count	%
English	208	0.8%
Irish	151	0.6%
German	59	0.2%
Norwegian	57	0.2%

Technology access

Metric	% of households
Computer access	33.8%
Internet access	97.7%

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

Frequently asked questions about ZIP code 93405

What city is ZIP code 93405 in?

ZIP code 93405 is primarily assigned to San Luis Obispo, California.

What county is ZIP code 93405 in?

ZIP code 93405 falls within San Luis Obispo County, California.

What is the poverty rate in ZIP code 93405?

46% of residents in ZIP code 93405 live below the poverty line, above the national average.

Is ZIP code 93405 mostly rentals?

67% of occupied units in ZIP code 93405 are renter-occupied.

How educated is the population of ZIP code 93405?

50% 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 93405?

The median home value in ZIP code 93405 is $863,500.

What timezone is ZIP code 93405 in?

ZIP code 93405 observes the PST timezone.