95386 ZIP Code — Waterford, CA

Stanislaus County, California

ZIP code 95386 is located in Waterford, California, within Stanislaus County. It covers approximately 94.68 square miles and serves a population of 10,387 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 209.

About ZIP code 95386

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $369,900. Owner-occupancy sits near the national average at 57%.

The gap between median ($63,503) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 18% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area.

The dominant occupation class is natural resources, construction, and trades, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

College attainment at 9% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 95386 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and elevated reliance on food assistance.

10,387

population

94.68

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95386 ZIP code map

Cities in ZIP code 95386

Below are the cities the US Postal Service accepts for ZIP code 95386. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Preferred

Nearby ZIP codes

95323 Hickman (5.8 mi) 95361 Oakdale (8.4 mi) 95316 Denair (9.4 mi) 95326 Hughson (12.3 mi) 95357 Modesto (13 mi) 95329 La Grange (13.7 mi) 95382 Turlock (15.1 mi) 95303 Ballico (15.4 mi) 95355 Modesto (15.7 mi) 95327 Jamestown (16 mi) 95367 Riverbank (16.2 mi) 95328 Keyes (16.7 mi)

Demographics updated 05/2026

Population
Total population	10,387
Population density	110 / sq mi
State FIPS	06
County FIPS	099

Geography
Land area	94.68 sq mi
Water area	3.67 sq mi
Latitude	37.6881
Longitude	-120.6565
Timezone	Pacific (PT)
Area code	209

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.9%	39.7%	32.6%
$50k – $100k	38.7%	31.9%	27.7%
$100k – $200k	20.6%	22.6%	26.4%
Over $200k	5.8%	5.8%	13.3%

Demographics & statistics

10,387

Population

110

People per sq mi

33.1

Median age

$63,503

Median household income

$26,640

Per capita income

$369,900

Median home value

$1,395

Median monthly rent

57.4%

Home ownership

17.7%

Poverty rate

5.4%

Unemployment

1,954

Housing units

8.5%

Bachelor's or higher

Age distribution

Male Female

324

Under 5

271

362

5–9

303

537

10–14

448

594

15–19

497

392

20–24

327

774

25–34

646

702

35–44

586

682

45–54

570

401

55–59

335

370

60–64

309

311

65–74

260

180

75–84

151

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,864	27.6%
18 and over	7,523	72.4%
65 and over	957	9.2%
Median age	33.1 years

Race & ethnicity

White 54.3%

Hispanic or Latino 18.7%

Two or more races 18.2%

Other race 3.4%

Asian 2.9%

Black or African American 1.6%

Native Hawaiian / Pacific Islander 0.6%

American Indian / Alaska Native 0.4%

Group	Count	%
White	6,936	54.3%
Hispanic or Latino	2,393	18.7%
Two or more races	2,328	18.2%
Other race	435	3.4%
Asian	367	2.9%
Black or African American	200	1.6%
Native Hawaiian / Pacific Islander	75	0.6%
American Indian / Alaska Native	46	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.9%	39.7%	32.6%
$50k – $100k	38.7%	31.9%	27.7%
$100k – $200k	20.6%	22.6%	26.4%
Over $200k	5.8%	5.8%	13.3%

Under $10k 2.9%

$10k–$15k 1.9%

$15k–$25k 6.7%

$25k–$35k 6.8%

$35k–$50k 16.6%

$50k–$75k 23.0%

$75k–$100k 9.2%

$100k–$150k 21.3%

$150k–$200k 4.6%

$200k+ 7.0%

Range	% of households
Under $10k	2.9%
$10k–$15k	1.9%
$15k–$25k	6.7%
$25k–$35k	6.8%
$35k–$50k	16.6%
$50k–$75k	23.0%
$75k–$100k	9.2%
$100k–$150k	21.3%
$150k–$200k	4.6%
$200k+	7.0%
Median income	$63,503

Housing

Home values

Under $50k 3.1%

$100k–$150k 0.2%

$150k–$200k 1.9%

$200k–$300k 20.7%

$300k–$500k 54.6%

$500k–$1M 10.1%

$1M+ 9.4%

Housing overview

Metric	Value
Median home value	$369,900
Median rent / month	$1,395
Owner occupied	57.4%
Renter occupied	42.6%
Vacant	8.3%
Single-family detached	77.5%
Large apartment buildings	5.2%
Mobile homes	3.3%
Median rooms	5.3
Avg household size (owned)	3.40

Year built

Era	%
2020 or later	2.9%
2010–2019	3.0%
2000–2009	21.3%
1990–1999	17.1%
1980–1989	12.4%
1970–1979	16.7%
1960–1969	8.0%
1950–1959	5.1%
1940–1949	7.0%
1939 or earlier	6.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	3.3%
2 bedrooms	20.1%
3 bedrooms	47.4%
4 bedrooms	18.3%
5+ bedrooms	7.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.9%
1 vehicle	22.7%
2 vehicles	28.9%
3 or more	44.4%

Heating fuel

Fuel type	%
Utility gas	69.3%
Electricity	21.5%
Propane / LP gas	5.7%
Wood	2.1%
Solar	0.8%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	1,591	54.1%
Cohabiting couple	133	4.5%
Male householder, no spouse	629	21.4%
Female householder, no spouse	588	20.0%
Households with children under 18	1,366	46.4%
Households with seniors (65+)	745	25.3%
Average household size	3.53

Marital status

Status	Male	Female
Never married	45.5%	31.3%
Married	41.7%	50.2%
Separated	2.3%	6.1%
Widowed	1.6%	5.2%
Divorced	8.8%	7.2%

Education

Less than 9th grade 16.5%

Some HS, no diploma 12.8%

HS graduate 39.2%

Some college, no degree 17.0%

Associate's degree 6.1%

Bachelor's degree 5.0%

Graduate / professional 3.5%

Metric	%
HS diploma or higher	70.8%
Bachelor's or higher	8.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	181	5.9%
Kindergarten	161	5.3%
Elementary school	1,288	42.2%
High school	830	27.2%
College / grad school	594	19.4%

Employment

Industry of employment

Education & healthcare 16.1%

Manufacturing 13.6%

Agriculture & mining 12.2%

Construction 12.1%

Retail trade 10.7%

Arts, food & hospitality 9.9%

Professional & management 7.2%

Transportation & utilities 5.2%

Other services 4.1%

Wholesale trade 3.6%

Finance & real estate 3.6%

Public administration 1.4%

Information 0.2%

Occupation

Category	%
Management, business & arts	18.5%
Service	19.1%
Sales & office	22.2%
Natural resources & construction	22.7%
Production & transportation	17.5%

Employment type

Type	%
Private sector	84.7%
Government	7.6%
Self-employed	7.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.0%
Carpool	17.4%
Public transit	0.1%
Walk	1.3%
Work from home	5.1%
Other means	0.1%
Avg commute (minutes)	28.6

Poverty

All people 17.7%

Under 18 years 25.0%

18 and over 15.0%

Married-couple families 13.3%

Female-led households 13.9%

Income support

Source	% of households
Social Security	23.8%
Retirement income	20.4%
Supplemental Security	11.1%
Cash public assistance	5.5%
Food stamps / SNAP	17.8%

Health indicators

Condition	%
Obesity	33.7%
High blood pressure	28.5%
High cholesterol	30.2%
Diabetes	9.9%
Heart disease	5.7%
Stroke	2.9%
Asthma	10.7%
Arthritis	21.3%
Kidney disease	2.8%
Pulmonary disease	7.4%
Cancer	5.0%

Behavior / access	%
Smoking	17.4%
Binge drinking	20.0%
No physical activity	25.9%
Less than 7 hrs sleep	32.7%
Depression	20.4%
Fair or poor health	18.3%
Poor mental health	17.5%
Poor physical health	12.1%
No health insurance	17.8%
Visited doctor (checkup)	63.8%
Visited dentist	56.1%
Cholesterol screening	87.2%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	416	5.5%

Disability	%
Any disability	14.8%
Under 18	2.7%
18–64 years	14.6%
65 and over	51.8%

Health insurance coverage

Type	%
Private insurance	51.3%
Public insurance	47.5%
No insurance	7.6%
Uninsured under 19	2.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,792	94.3%
Spanish	1,498	15.3%
Other Indo-European	1,362	13.9%
Asian & Pacific Islander	125	1.3%
Other languages	11	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,462	81.5%
Born in same state	8,447	81.3%
Born in different state	7,508	72.3%
Foreign born	15	0.1%
Naturalized citizen	1,925	18.5%
Not a US citizen	769	39.9%

Ancestry

Ancestry	Count	%
Italian	978	9.4%
French	661	6.4%
Arab	143	1.4%
English	112	1.1%

Ancestry	Count	%
Polish	79	0.8%
German	17	0.2%
Dutch	9	0.1%

Technology access

Metric	% of households
Computer access	28.3%
Internet access	96.1%

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

Frequently asked questions about ZIP code 95386

What city is ZIP code 95386 in?

ZIP code 95386 is primarily assigned to Waterford, California.

What county is ZIP code 95386 in?

ZIP code 95386 falls within Stanislaus County, California.

How educated is the population of ZIP code 95386?

9% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the poverty rate in ZIP code 95386?

18% of residents in ZIP code 95386 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95386?

The median home value in ZIP code 95386 is $369,900.

What is the population of ZIP code 95386?

ZIP code 95386 has an estimated population of 10,387 residents, with a density of 110 people per square mile.

What timezone is ZIP code 95386 in?

ZIP code 95386 observes the PST timezone.