Zip code 94038: Moss Beach, California

Q: What city is zip code 94038?

94038 is assigned to Moss Beach, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 94038 in?

94038 is in San Mateo County, California.

Q: What is the population of 94038?

About 2,683 people live in 94038, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 94038?

The median household income in 94038 is $99,680.

Q: What zip codes are near 94038?

The closest zip codes to 94038 are 94037, 94018, 94044, 94030, 94010.

Residential delivery areaSan Mateo CountyPacific Time

Population

2,683

Median household income

$100K

U.S. $81K

Median home value

$1.1M

U.S. $333K

Median rent

—

U.S. $1,413

Median age

47.1

U.S. 38.9

Land area

5.9 sq mi

452 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 94038

94038 is a small-town zip code in Moss Beach, California (San Mateo County), covering 5.9 sq mi of land. About 2,683 people live here, or 452 per square mile. The median resident is 47.1 years old, compared with 38.9 nationally.

The median household earns $99,680 a year, 23% above the national median of $80,734. 9.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $1,123,100, or 11.3 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 99% of occupied homes are lived in by their owners.

47% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 32.4 minutes each way, and 26% of workers work from home. The most common jobs among working residents are in computer and math (tech); cleaning and personal care; and education. 37% of households speak a language other than English at home, most often Spanish.

How 94038 compares

Sorted from highest to lowest national percentile

Homeownership rate99%
99th
StrengthU.S. 65.2% · CA 55.9%33rd of 1,662 in CA
Tech workers16.3%
99th
U.S. 3.8% · CA 4.4%47th of 1,678 in CA
Median home value$1,123,100
97th
U.S. $332,700 · CA $734,700296th of 1,586 in CA
Residents 65 and older27.8%
95th
U.S. 17.2% · CA 15.7%262nd of 1,688 in CA
Median age47.1
91st
U.S. 38.9 · CA 37.9361st of 1,687 in CA
Work from home25.8%
89th
U.S. 15.1% · CA 17.2%374th of 1,680 in CA
Self-employed workers14.2%
88th
U.S. 10% · CA 11.4%561st of 1,678 in CA
Income inequality (Gini)0.493
86th
WeaknessU.S. 0.483 · CA 0.489299th of 1,651 in CA
Average commute32.4 min
85th
WeaknessU.S. 26.4 min · CA 28.7 min353rd of 1,584 in CA
Foreign-born residents28%
85th
U.S. 14.1% · CA 27%500th of 1,688 in CA
Per capita income$56,009
80th
StrengthU.S. $44,673 · CA $49,513531st of 1,685 in CA
Housing vacancy11.9%
78th
U.S. 10.1% · CA 7.5%505th of 1,664 in CA
Bachelor's degree or higher47.1%
76th
U.S. 35.7% · CA 37.1%479th of 1,687 in CA
Median household income$99,680
71st
U.S. $80,734 · CA $99,122699th of 1,575 in CA
Diversity index55.6
62nd
U.S. 61.4 · CA 69.7810th of 1,688 in CA
Median earnings per worker$45,667
42nd
U.S. $49,666 · CA $52,6431,015th of 1,658 in CA
Poverty rate9.1%
39th
U.S. 12.5% · CA 12%1,002nd of 1,666 in CA
Residents under 1820.2%
33rd
U.S. 22% · CA 22%918th of 1,688 in CA
Population density452/sq mi
31st
U.S. 95/sq mi · CA 252/sq mi962nd of 1,688 in CA
Government workers9.6%
16th
U.S. 14.5% · CA 14.8%1,399th of 1,678 in CA
Broadband access83.7%
9th
WeaknessU.S. 91% · CA 93.5%1,476th of 1,662 in CA
Healthcare workers5.8%
7th
U.S. 9.7% · CA 9.4%1,354th of 1,678 in CA
Uninsured rate2.1%
6th
StrengthU.S. 8.4% · CA 6.6%1,434th of 1,675 in CA
Population2,683
4th
U.S. 334,922,499 · CA 39,287,3771,242nd of 1,688 in CA
Veterans1.4%
3rd
U.S. 6.2% · CA 4.3%1,531st of 1,686 in CA
Unemployment rate0.2%
1st
StrengthU.S. 5.2% · CA 6.6%1,548th of 1,681 in CA
Rent-burdened renters0%
1st
StrengthU.S. 51.1% · CA 55.3%1,595th of 1,610 in CA

Measure	94038	San Mateo	CA	U.S.	National percentile	Rank in CA
Homeownership rateStrength	99%	58.5%	55.9%	65.2%	99th	33rd of 1,662
Tech workers	16.3%	8.3%	4.4%	3.8%	99th	47th of 1,678
Median home value	$1,123,100	$1,559,600	$734,700	$332,700	97th	296th of 1,586
Residents 65 and older	27.8%	17.8%	15.7%	17.2%	95th	262nd of 1,688
Median age	47.1	40.9	37.9	38.9	91st	361st of 1,687
Work from home	25.8%	24.3%	17.2%	15.1%	89th	374th of 1,680
Self-employed workers	14.2%	10.5%	11.4%	10%	88th	561st of 1,678
Income inequality (Gini)Weakness	0.493	0.497	0.489	0.483	86th	299th of 1,651
Average commuteWeakness	32.4 min	26.4 min	28.7 min	26.4 min	85th	353rd of 1,584
Foreign-born residents	28%	35.7%	27%	14.1%	85th	500th of 1,688
Per capita incomeStrength	$56,009	$84,288	$49,513	$44,673	80th	531st of 1,685
Housing vacancy	11.9%	7.9%	7.5%	10.1%	78th	505th of 1,664
Bachelor's degree or higher	47.1%	53.7%	37.1%	35.7%	76th	479th of 1,687
Median household income	$99,680	$158,855	$99,122	$80,734	71st	699th of 1,575
Diversity index	55.6	71.8	69.7	61.4	62nd	810th of 1,688
Median earnings per worker	$45,667	$79,802	$52,643	$49,666	42nd	1,015th of 1,658
Poverty rate	9.1%	6.7%	12%	12.5%	39th	1,002nd of 1,666
Residents under 18	20.2%	19.5%	22%	22%	33rd	918th of 1,688
Population density	452/sq mi	1,655/sq mi	252/sq mi	95/sq mi	31st	962nd of 1,688
Government workers	9.6%	11.6%	14.8%	14.5%	16th	1,399th of 1,678
Broadband accessWeakness	83.7%	95.7%	93.5%	91%	9th	1,476th of 1,662
Healthcare workers	5.8%	9.6%	9.4%	9.7%	7th	1,354th of 1,678
Uninsured rateStrength	2.1%	3.8%	6.6%	8.4%	6th	1,434th of 1,675
Population	2,683	742,340	39,287,377	334,922,499	4th	1,242nd of 1,688
Veterans	1.4%	2.9%	4.3%	6.2%	3rd	1,531st of 1,686
Unemployment rateStrength	0.2%	4.8%	6.6%	5.2%	1st	1,548th of 1,681
Rent-burdened rentersStrength	0%	48.4%	55.3%	51.1%	1st	1,595th of 1,610

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

11%

25–34

15%

35–44

45–54

14%

55–64

15%

65–74

13%

75+

Median age

47.1

Under 18

20.2%

65 and over

27.8%

Race and ethnicity

White55%
Black0.2%
Hispanic37%
Asian5%
Native American0%
Pacific Islander0%
Other0%
Multiracial3%

Diversity index

55.6

U.S. 61.4

Foreign-born

28%

U.S. 14.1%

Born in state

37.7%

Language spoken at home (households)

English only

63%

Spanish

32%

Other Indo-European

Asian / Pacific

Other

Households

Households: 915
Average household size: 2.8
Family households: 70.4%
Married couples: 58.3%
Living alone: 21.5%
Veterans (of adults): 1.4%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

$50–75k

14%

$75–100k

18%

$100–150k

10%

$150–200k

13%

$200k+

26%

Median household income

94038

$99,680

San Mateo Co.

$158,855

California

$99,122

United States

$80,734

Per capita income

$56,009

U.S. $44,673

Poverty rate

9.1%

U.S. 12.5%

Households earning $150K+

39.7%

U.S. 23%

Income inequality (Gini)

0.493

U.S. 0.483

Housing

Median home value

94038

$1,123,100

San Mateo Co.

$1,559,600

California

$734,700

United States

$332,700

Median gross rent

94038

—

San Mateo Co.

$2,922

California

$2,036

United States

$1,413

Types of housing

Single-family

76%

2–4 units

5–19 units

20+ units

Mobile home

24%

Boat, RV, van

Housing units: 1,039
Owner-occupied: 99%
Vacant: 11.9%
Median year built: 1971
Median rooms: 5.7
Renters paying 30%+ of income: 0%
Renters paying 50%+ of income: 0%
Home value to income: 11.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

64%

Carpooled

Transit

Walked

0.2%

Bicycle

Worked from home

26%

Other

Commute time (one way)

<10 min

11%

10–19

15%

20–29

21%

30–44

28%

45–59

60+

18%

Average commute

32.4 min

U.S. 26.4 min

Unemployment

0.2%

U.S. 5.2%

In labor force

58.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Computer and math

16%

Cleaning and personal care

16%

Education

12%

Management

12%

Construction and repair

Healthcare

Engineering and science

Food service

Sales

Production

Business and finance

Office and admin

Arts, media and sports

Legal and social services

0.2%

Police and fire

Farming, fishing and forestry

Transportation and moving

Industries

Professional and technical services

17%

Health care and social assistance

16%

Other services

10%

Manufacturing

10%

Retail

Construction

Education

Restaurants and hotels

Finance, insurance and real estate

Transportation, warehousing and utilities

Arts and recreation

Agriculture and mining

Wholesale

Public administration

Admin, support and management

Information

Median earnings per worker

$45,667

U.S. $49,666

Self-employed

14.2%

U.S. 10%

Government workers

9.6%

U.S. 14.5%

Nonprofit workers

15.1%

U.S. 8.8%

Median earnings by type of work

Type of work	94038	U.S.
Management, business, science and arts	$64,038	$74,888
Service	$22,569	$26,804
Sales and office	$32,935	$40,476
Construction and maintenance	$47,321	$49,199
Production and transportation	—	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

24%

High school

Some college

16%

Associate's

Bachelor's

29%

Graduate

18%

High school graduate or higher: 76.2%
Bachelor's degree or higher: 47.1%
Graduate or professional degree: 18%
Households with broadband: 83.7%
Cable, fiber or DSL: 74.4%
No internet access: 14.3%
Without health insurance: 2.1%
Limited-English households: 7.4%

Geography

City (USPS): Moss Beach
State: California
County: San Mateo County
Center point: 37.5357° N, 122.4737° W
Land area: 5.9 sq mi
Water area: under 0.1 sq mi
Time zone: Pacific Time (UTC-8, UTC-7 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Moss Beach (unincorporated)37% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 94038

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
94037	Montara, CA	1.7 mi	2,917	$233,826	$1,580,700
94018	El Granada, CA	2.1 mi	3,834	$230,053	$1,430,200
94044	Pacifica, CA	4.9 mi	37,274	$160,408	$1,249,800
94030	Millbrae, CA	5.9 mi	22,689	$163,476	$1,934,900
94010	Burlingame, CA	6 mi	43,025	$196,882	$2,000,000+
94019	Half Moon Bay, CA	6.6 mi	14,419	$153,781	$1,556,800
94066	San Bruno, CA	6.6 mi	42,728	$141,272	$1,207,500
94011	Burlingame, CA · PO box	6.8 mi	—	—	—
94128	San Francisco, CA	7.7 mi	0	—	—
94402	San Mateo, CA	7.9 mi	25,475	$172,522	$2,000,000+
94497	San Mateo, CA · PO box	8.1 mi	—	—	—
94080	South San Francisco, CA	8.8 mi	64,761	$136,733	$1,188,700

Zip codes like 94038 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Westhampton Beach, NY

Questions about 94038

What city is zip code 94038?

94038 is assigned to Moss Beach, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 94038 in?

94038 is in San Mateo County, California.

What is the population of 94038?

About 2,683 people live in 94038, according to the Census Bureau's American Community Survey.

What time zone is 94038 in?

94038 is in Pacific Time.

What is the median household income in 94038?

The median household income in 94038 is $99,680.

What zip codes are near 94038?

The closest zip codes to 94038 are 94037, 94018, 94044, 94030, 94010.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 94038, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.