Zip code 95386: Waterford, California

Q: What city is zip code 95386?

95386 is assigned to Waterford, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 95386 in?

95386 is in Stanislaus County, California.

Q: What is the population of 95386?

About 10,666 people live in 95386, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 95386?

The median household income in 95386 is $73,196.

Q: What zip codes are near 95386?

The closest zip codes to 95386 are 95323, 95316, 95329, 95361, 95303.

Residential delivery areaStanislaus CountyPacific Time

Population

10,666

Median household income

$73K

U.S. $81K

Median home value

$417K

U.S. $333K

Median rent

$1,593/mo

U.S. $1,413

Median age

33.5

U.S. 38.9

Land area

95 sq mi

113 people/sq mi

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

About 95386

95386 is a small-town zip code in Waterford, California (Stanislaus County), covering 95 sq mi of land. About 10,666 people live here, or 113 per square mile. The median resident is 33.5 years old, compared with 38.9 nationally.

The median household earns $73,196 a year, close to the national median of $80,734. 15.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $416,500, or 5.7 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 57% of occupied homes are lived in by their owners, and renters pay a median of $1,593 a month.

11% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 28.3 minutes each way, and 6% of workers work from home. The most common jobs among working residents are in sales; production and manufacturing; and construction and repair. 41% of households speak a language other than English at home, most often Spanish.

How 95386 compares

Sorted from highest to lowest national percentile

Unemployment rate7.1%
80th
WeaknessU.S. 5.2% · CA 6.6%641st of 1,681 in CA
Foreign-born residents22.7%
79th
U.S. 14.1% · CA 27%691st of 1,688 in CA
Residents under 1825.4%
77th
U.S. 22% · CA 22%372nd of 1,688 in CA
Poverty rate15.7%
72nd
U.S. 12.5% · CA 12%479th of 1,666 in CA
Broadband access94.1%
67th
U.S. 91% · CA 93.5%732nd of 1,662 in CA
Median home value$416,500
64th
U.S. $332,700 · CA $734,7001,196th of 1,586 in CA
Average commute28.3 min
64th
U.S. 26.4 min · CA 28.7 min754th of 1,584 in CA
Diversity index55.9
63rd
U.S. 61.4 · CA 69.7798th of 1,688 in CA
Government workers15.5%
63rd
U.S. 14.5% · CA 14.8%802nd of 1,678 in CA
Median gross rent$1,593
61st
U.S. $1,413 · CA $2,0361,007th of 1,464 in CA
Income inequality (Gini)0.432
48th
U.S. 0.483 · CA 0.489914th of 1,651 in CA
Uninsured rate6.1%
44th
U.S. 8.4% · CA 6.6%712th of 1,675 in CA
Tech workers2.5%
43rd
U.S. 3.8% · CA 4.4%813th of 1,678 in CA
Median household income$73,196
40th
U.S. $80,734 · CA $99,1221,140th of 1,575 in CA
Housing vacancy5.6%
39th
U.S. 10.1% · CA 7.5%988th of 1,664 in CA
Self-employed workers8.2%
35th
U.S. 10% · CA 11.4%1,266th of 1,678 in CA
Homeownership rate57.4%
28th
U.S. 65.2% · CA 55.9%1,021st of 1,662 in CA
Rent-burdened renters43.3%
24th
U.S. 51.1% · CA 55.3%1,315th of 1,610 in CA
Population10,666
17th
U.S. 334,922,499 · CA 39,287,377996th of 1,688 in CA
Per capita income$29,403
17th
WeaknessU.S. $44,673 · CA $49,5131,332nd of 1,685 in CA
Veterans3.2%
17th
U.S. 6.2% · CA 4.3%1,109th of 1,686 in CA
Population density113/sq mi
14th
U.S. 95/sq mi · CA 252/sq mi1,185th of 1,688 in CA
Median age33.5
13th
U.S. 38.9 · CA 37.91,414th of 1,687 in CA
Median earnings per worker$36,930
13th
WeaknessU.S. $49,666 · CA $52,6431,374th of 1,658 in CA
Work from home6.1%
12th
U.S. 15.1% · CA 17.2%1,429th of 1,680 in CA
Residents 65 and older9.9%
8th
U.S. 17.2% · CA 15.7%1,508th of 1,688 in CA
Healthcare workers5.5%
5th
U.S. 9.7% · CA 9.4%1,376th of 1,678 in CA
Bachelor's degree or higher10.7%
3rd
WeaknessU.S. 35.7% · CA 37.1%1,510th of 1,687 in CA

Measure	95386	Stanislaus	CA	U.S.	National percentile	Rank in CA
Unemployment rateWeakness	7.1%	8%	6.6%	5.2%	80th	641st of 1,681
Foreign-born residents	22.7%	21%	27%	14.1%	79th	691st of 1,688
Residents under 18	25.4%	26.6%	22%	22%	77th	372nd of 1,688
Poverty rate	15.7%	13.5%	12%	12.5%	72nd	479th of 1,666
Broadband access	94.1%	92.1%	93.5%	91%	67th	732nd of 1,662
Median home value	$416,500	$450,100	$734,700	$332,700	64th	1,196th of 1,586
Average commute	28.3 min	30.8 min	28.7 min	26.4 min	64th	754th of 1,584
Diversity index	55.9	61.2	69.7	61.4	63rd	798th of 1,688
Government workers	15.5%	15.3%	14.8%	14.5%	63rd	802nd of 1,678
Median gross rent	$1,593	$1,623	$2,036	$1,413	61st	1,007th of 1,464
Income inequality (Gini)	0.432	0.443	0.489	0.483	48th	914th of 1,651
Uninsured rate	6.1%	5.6%	6.6%	8.4%	44th	712th of 1,675
Tech workers	2.5%	1.5%	4.4%	3.8%	43rd	813th of 1,678
Median household income	$73,196	$81,468	$99,122	$80,734	40th	1,140th of 1,575
Housing vacancy	5.6%	3.9%	7.5%	10.1%	39th	988th of 1,664
Self-employed workers	8.2%	9.6%	11.4%	10%	35th	1,266th of 1,678
Homeownership rate	57.4%	61.2%	55.9%	65.2%	28th	1,021st of 1,662
Rent-burdened renters	43.3%	54.1%	55.3%	51.1%	24th	1,315th of 1,610
Population	10,666	553,990	39,287,377	334,922,499	17th	996th of 1,688
Per capita incomeWeakness	$29,403	$34,849	$49,513	$44,673	17th	1,332nd of 1,685
Veterans	3.2%	4.2%	4.3%	6.2%	17th	1,109th of 1,686
Population density	113/sq mi	370/sq mi	252/sq mi	95/sq mi	14th	1,185th of 1,688
Median age	33.5	34.9	37.9	38.9	13th	1,414th of 1,687
Median earnings per workerWeakness	$36,930	$46,713	$52,643	$49,666	13th	1,374th of 1,658
Work from home	6.1%	8.1%	17.2%	15.1%	12th	1,429th of 1,680
Residents 65 and older	9.9%	13.8%	15.7%	17.2%	8th	1,508th of 1,688
Healthcare workers	5.5%	8.9%	9.4%	9.7%	5th	1,376th of 1,678
Bachelor's degree or higherWeakness	10.7%	19.6%	37.1%	35.7%	3rd	1,510th of 1,687

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

20%

5–17

13%

18–24

13%

25–34

12%

35–44

15%

45–54

12%

55–64

65–74

75+

Median age

33.5

Under 18

25.4%

65 and over

9.9%

Race and ethnicity

White47%
Black0.5%
Hispanic47%
Asian3%
Native American0.2%
Pacific Islander0.5%
Other0.1%
Multiracial2%

Diversity index

55.9

U.S. 61.4

Foreign-born

22.7%

U.S. 14.1%

Born in state

68.9%

Language spoken at home (households)

English only

60%

Spanish

36%

Other Indo-European

Asian / Pacific

0.3%

Other

0.4%

Households

Households: 3,090
Average household size: 3.5
Family households: 79.7%
Married couples: 50.7%
Living alone: 17.2%
Veterans (of adults): 3.2%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

18%

$50–75k

20%

$75–100k

$100–150k

26%

$150–200k

$200k+

Median household income

95386

$73,196

Stanislaus Co.

$81,468

California

$99,122

United States

$80,734

Per capita income

$29,403

U.S. $44,673

Poverty rate

15.7%

U.S. 12.5%

Households earning $150K+

15.5%

U.S. 23%

Income inequality (Gini)

0.432

U.S. 0.483

Housing

Median home value

95386

$416,500

Stanislaus Co.

$450,100

California

$734,700

United States

$332,700

Median gross rent

95386

$1,593

Stanislaus Co.

$1,623

California

$2,036

United States

$1,413

Types of housing

Single-family

84%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.9%

Housing units: 3,273
Owner-occupied: 57.4%
Vacant: 5.6%
Median year built: 1984
Median rooms: 5.4
Renters paying 30%+ of income: 43.3%
Renters paying 50%+ of income: 27.2%
Home value to income: 5.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

74%

Carpooled

18%

Transit

0.1%

Walked

Bicycle

Worked from home

Other

0.1%

Commute time (one way)

<10 min

14%

10–19

19%

20–29

32%

30–44

20%

45–59

60+

11%

Average commute

28.3 min

U.S. 26.4 min

Unemployment

7.1%

U.S. 5.2%

In labor force

59.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

14%

Production

12%

Construction and repair

11%

Transportation and moving

11%

Management

10%

Office and admin

Cleaning and personal care

Farming, fishing and forestry

Healthcare

Food service

Education

Computer and math

Business and finance

Engineering and science

0.7%

Arts, media and sports

0.3%

Legal and social services

0.3%

Police and fire

0.0%

Industries

Manufacturing

14%

Education

12%

Retail

12%

Agriculture and mining

11%

Construction

10%

Health care and social assistance

Wholesale

Transportation, warehousing and utilities

Restaurants and hotels

Other services

Admin, support and management

Public administration

Professional and technical services

Finance, insurance and real estate

Information

0.9%

Arts and recreation

0.1%

Median earnings per worker

$36,930

U.S. $49,666

Self-employed

8.2%

U.S. 10%

Government workers

15.5%

U.S. 14.5%

Nonprofit workers

1.3%

U.S. 8.8%

Median earnings by type of work

Type of work	95386	U.S.
Management, business, science and arts	$63,594	$74,888
Service	$20,784	$26,804
Sales and office	$27,076	$40,476
Construction and maintenance	$57,171	$49,199
Production and transportation	$33,116	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

27%

High school

37%

Some college

20%

Associate's

Bachelor's

Graduate

High school graduate or higher: 73.3%
Bachelor's degree or higher: 10.7%
Graduate or professional degree: 3.5%
Households with broadband: 94.1%
Cable, fiber or DSL: 73.3%
No internet access: 3.9%
Without health insurance: 6.1%
Limited-English households: 7.2%

Geography

City (USPS): Waterford
State: California
County: Stanislaus County
Center point: 37.6673° N, 120.6221° W
Land area: 95 sq mi
Water area: 3.7 sq mi
Time zone: Pacific Time (UTC-8, UTC-7 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Waterford3% of zip

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

Zip codes near 95386

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
95323	Hickman, CA	5.5 mi	1,644	$75,938	$568,200
95316	Denair, CA	9.2 mi	8,022	$97,764	$483,900
95329	La Grange, CA	11 mi	2,954	$79,500	$420,100
95361	Oakdale, CA	12 mi	34,810	$92,963	$516,000
95303	Ballico, CA	14 mi	784	$144,375	$569,400
95326	Hughson, CA	14 mi	10,593	$87,500	$533,100
95357	Modesto, CA	15 mi	13,599	$95,707	$445,400
95327	Jamestown, CA	15 mi	8,752	$68,040	$372,300
95319	Empire, CA	15 mi	1,327	$45,400	$354,100
95369	Snelling, CA	15 mi	740	$75,750	$354,900
95382	Turlock, CA	16 mi	39,083	$95,282	$491,700
95381	Turlock, CA · PO box	17 mi	—	—	—

Zip codes like 95386 elsewhere

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

Questions about 95386

What city is zip code 95386?

95386 is assigned to Waterford, California. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 95386 in?

95386 is in Stanislaus County, California.

What is the population of 95386?

About 10,666 people live in 95386, according to the Census Bureau's American Community Survey.

What time zone is 95386 in?

95386 is in Pacific Time.

What is the median household income in 95386?

The median household income in 95386 is $73,196.

What zip codes are near 95386?

The closest zip codes to 95386 are 95323, 95316, 95329, 95361, 95303.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 95386, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.