San Luis Obispo, CA (93405)

San Luis Obispo, CA (ZIP 93405) sits in San Luis Obispo County within the San Luis Obispo-Paso Robles metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: Annual Checkup comes in above the national average at 67.0%. NCES lists 11 schools serving the area, 11 non-charter. 8 colleges and universities serve the area, with median in-state tuition of $5,623. IRS data shows average household income (AGI) of $105,338, well above the ~$45K national average per return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 28 federal disaster declarations affecting this ZIP since 1967 — a high-frequency exposure profile. Fast-food restaurants outnumber grocery stores roughly 4-to-1 per capita (USDA Food Environment Atlas) — a "food swamp" pattern often linked to higher diet-related disease prevalence. Per IRS migration filings (2022-2023), the area's primary county netted $116,591,000 in incoming taxable income — a wealth-inflow signal even when headcount churn is modest. Healthcare access and school options both run strong here, giving residents a wide menu of providers and enrollment choices nearby. Notable: median household income $48,388, fair market rent of $2,920 for a two-bedroom, and a typical home value of $1,101,407, up 3.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.

Demographics

HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.

Home values

Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.

New housing construction

Based on county-level data (2024).

Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.

Income & tax statistics

Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $830.1M across all reported brackets.

Business & employment

Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.

Employment & wages

That is roughly 6% below the US national average of $65,470 per worker.

Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.

Unemployment

Based on San Luis Obispo County, CA data (2024).

Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.

Banking access

Based on FDIC-insured branch offices as of June 30, 2024.

Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.

Community health centers

Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.

Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.

Alternative-fuel stations

Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.

Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.

Social Vulnerability Index

The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.

Federal Disaster Declarations

FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.

Air quality

Based on San Luis Obispo County data (2024).

Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.

Community health profile

Low birth weight (under 2,500 g) accounts for 6.3% of live births in this county — an early-life health input that downstream outcomes track against.

Based on San Luis Obispo data (2025 CHR release).

Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.

Food access

Among low-income residents, 4.0% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).

Per-1,000 figures show how many of each store type exist in San Luis Obispo County, CA for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.

Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).

Who’s moving in and out

Incoming households reported an average AGI of $100,612 versus departing households' $78,823.

Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.

Data sources used on this page

Health profile

Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.

Schools in this ZIP

11 schools serve this ZIP, including 11 non-charter.

Showing top 5 by enrollment. 6 more schools serve this ZIP.

Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.

Colleges & universities nearby

• California Polytechnic State University-San Luis Obispo

  San Luis Obispo, CA · 93407

  4-Year

  In-state tuition

  $13,596

  Out-of-state tuition

  $34,665

  Acceptance rate

  31.3%

  Graduation rate

  85.7%

  Median earnings (10 yr)

  $90,768

  Median student debt

  $18,500

• Allan Hancock College

  Santa Maria, CA · 93454

  2-Year

  In-state tuition

  $1,156

  Out-of-state tuition

  $9,892

  Acceptance rate

  —

  Graduation rate

  26.8%

  Median earnings (10 yr)

  $42,786

  Median student debt

  —

• Cuesta College

  San Luis Obispo, CA · 93403

  2-Year

  In-state tuition

  $1,350

  Out-of-state tuition

  $11,010

  Acceptance rate

  —

  Graduation rate

  46.5%

  Median earnings (10 yr)

  $46,047

  Median student debt

  $13,750

• Laurus College

  San Luis Obispo, CA · 93401

  4-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  40.9%

  Median earnings (10 yr)

  $30,896

  Median student debt

  $32,416

• CET-Santa Maria

  Santa Maria, CA · 93458

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  68.1%

  Median earnings (10 yr)

  $32,986

  Median student debt

  $7,041

• San Joaquin Valley College-Santa Maria

  Santa Maria, CA · 93454

  2-Year

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  55.3%

  Median earnings (10 yr)

  $38,317

  Median student debt

  $10,674

• Design's School of Cosmetology

  Paso Robles, CA · 93446

  Certificate

  In-state tuition

  —

  Out-of-state tuition

  —

  Acceptance rate

  —

  Graduation rate

  75.3%

  Median earnings (10 yr)

  $23,937

  Median student debt

  $6,333

• Central California School of Continuing Education

  San Luis Obispo, CA · 93401

  2-Year

  In-state tuition

  $9,895

  Out-of-state tuition

  $9,895

  Acceptance rate

  —

  Graduation rate

  87.0%

  Median earnings (10 yr)

  $41,223

  Median student debt

  $5,150

Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.

What these numbers say together

Frequently Asked Questions — ZIP 93405

More Info topics

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