Waterford ZIP Codes — Stanislaus County, CA

There is one unique ZIP code in Waterford, California and it is 95386. Area code: 209.
1
ZIP codes
94.68
sq mi land
3.67
sq mi water
209
area code
Waterford, CA ZIP code map

About Waterford, CA

Waterford, California, is a charming community located in the heart of Stanislaus County. Known for its agricultural roots and friendly atmosphere, this city boasts a small-town vibe that appeals to its residents and visitors alike. With its rich history and commitment to community engagement, Waterford offers a unique blend of rural and suburban living.

Location & geography

Waterford is situated approximately 12 miles north of Modesto and about 7 miles from the larger city of Turlock. The city spans across a land area of 94.68 square miles, complemented by a water area of 3.67 square miles, contributing to its diverse landscape. The city is characterized by flat terrain and an agricultural backdrop, providing scenic views of fields and open spaces.

Community & economy

The character of Waterford is heavily influenced by its agricultural heritage, with farms and orchards forming the backbone of the local economy. Residents enjoy a tight-knit community with family-friendly events and activities that draw on the town's culture and traditions. Daily life in Waterford revolves around local businesses, community gatherings, and a shared commitment to preserving the town's rural charm.

Transportation

Waterford is accessible via State Routes 132 and 108, which connect the city to neighboring towns and larger highways. The nearest major airport is the Modesto City-County Airport, located approximately 15 miles away, providing regional air travel options. Public transportation options are limited; therefore, most residents rely on personal vehicles for commuting.

History

Waterford was established in the late 19th century, originally serving as a center for agricultural activities in the region. Over the years, it has remained focused on farming, with notable success in producing crops such as walnuts and almonds. The city has grown steadily, preserving much of its historical character while adapting to modern developments.

Did you know?

A little-known fact about Waterford is that it was once a significant shipping point for agricultural products during the early 20th century due to its location along irrigation canals. Additionally, Waterford hosts an annual Almond Blossom Festival, celebrating its rich agricultural heritage and community spirit.

ZIP codes for Waterford, CA (1)
ZIP code City County Map
95386 Waterford Stanislaus View map

Demographics & statistics

10,387
Population
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
30
85+
25
← Male
Female →

Age summary

GroupCount%
Under 182,86427.6%
18 and over7,52372.4%
65 and over9579.2%
Median age33.1 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%
GroupCount%
White6,93654.3%
Hispanic or Latino2,39318.7%
Two or more races2,32818.2%
Other race4353.4%
Asian3672.9%
Black or African American2001.6%
Native Hawaiian / Pacific Islander750.6%
American Indian / Alaska Native460.4%

Household income

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 $10k2.9%
$10k–$15k1.9%
$15k–$25k6.7%
$25k–$35k6.8%
$35k–$50k16.6%
$50k–$75k23.0%
$75k–$100k9.2%
$100k–$150k21.3%
$150k–$200k4.6%
$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

MetricValue
Median home value$369,900
Median rent / month$1,395
Owner occupied57.4%
Renter occupied42.6%
Vacant8.3%
Single-family detached77.5%
Large apartment buildings5.2%
Mobile homes3.3%
Median rooms5.3
Avg household size (owned)3.40

Year built

Era%
2020 or later2.9%
2010–20193.0%
2000–200921.3%
1990–199917.1%
1980–198912.4%
1970–197916.7%
1960–19698.0%
1950–19595.1%
1940–19497.0%
1939 or earlier6.6%

Bedrooms

Size% of units
No bedroom (studio)2.9%
1 bedroom3.3%
2 bedrooms20.1%
3 bedrooms47.4%
4 bedrooms18.3%
5+ bedrooms7.9%

Vehicles per household

Vehicles% of households
No vehicle3.9%
1 vehicle22.7%
2 vehicles28.9%
3 or more44.4%

Heating fuel

Fuel type%
Utility gas69.3%
Electricity21.5%
Propane / LP gas5.7%
Wood2.1%
Solar0.8%
No fuel used0.3%

Households & families

Household typeCount%
Married-couple family1,59154.1%
Cohabiting couple1334.5%
Male householder, no spouse62921.4%
Female householder, no spouse58820.0%
Households with children under 181,36646.4%
Households with seniors (65+)74525.3%
Average household size3.53

Marital status

StatusMaleFemale
Never married45.5%31.3%
Married41.7%50.2%
Separated2.3%6.1%
Widowed1.6%5.2%
Divorced8.8%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 higher70.8%
Bachelor's or higher8.5%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool1815.9%
Kindergarten1615.3%
Elementary school1,28842.2%
High school83027.2%
College / grad school59419.4%

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 & arts18.5%
Service19.1%
Sales & office22.2%
Natural resources & construction22.7%
Production & transportation17.5%

Employment type

Type%
Private sector84.7%
Government7.6%
Self-employed7.8%
Unpaid family workers0.0%

Commute

Method%
Drive alone76.0%
Carpool17.4%
Public transit0.1%
Walk1.3%
Other means0.1%
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 Security23.8%
Retirement income20.4%
Supplemental Security11.1%
Cash public assistance5.5%
Food stamps / SNAP17.8%

Health indicators

Condition%
High blood pressure28.5%
High cholesterol30.2%
Heart disease5.7%
Stroke2.9%
Asthma10.7%
Arthritis21.3%
Kidney disease2.8%
Pulmonary disease7.4%
Cancer5.0%
Behavior / access%
Binge drinking20.0%
No physical activity25.9%
Less than 7 hrs sleep32.7%
Fair or poor health18.3%
Poor mental health17.5%
Poor physical health12.1%
No health insurance17.8%
Visited doctor (checkup)63.8%
Visited dentist56.1%
Cholesterol screening87.2%
Teeth loss17.3%

Veterans & disability

VeteransCount%
Civilian veterans4165.5%
Disability%
Any disability14.8%
Under 182.7%
18–64 years14.6%
65 and over51.8%

Health insurance coverage

Type%
Private insurance51.3%
Public insurance47.5%
Uninsured under 192.6%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only9,79294.3%
Spanish1,49815.3%
Other Indo-European1,36213.9%
Asian & Pacific Islander1251.3%
Other languages110.1%

Place of birth & citizenship

OriginCount%
Native born (US)8,46281.5%
Born in same state8,44781.3%
Born in different state7,50872.3%
Foreign born150.1%
Naturalized citizen1,92518.5%
Not a US citizen76939.9%

Ancestry

AncestryCount%
Italian9789.4%
French6616.4%
Arab1431.4%
English1121.1%
AncestryCount%
Polish790.8%
German170.2%
Dutch90.1%

Technology access

Metric% of households
Computer access28.3%
Internet access96.1%

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

Frequently asked questions
What ZIP codes does Waterford, CA have?
Waterford, CA has one ZIP code: 95386. Each ZIP code serves a distinct delivery area within the city and surrounding region.
Need the complete California ZIP code database? Download all CA ZIP codes — Excel, CSV, or Access. Includes lat/lng, county FIPS & timezone.
Download database →