ZIP Code 93405 — San Luis Obispo city, CA Demographics & Data

ZIP code 93405 covers San Luis Obispo, CA in San Luis Obispo County with a population of about 23,856.

At a glance, the area shows median age of 22.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 805, 820; U.S. House district CA-24; the SANTABARBRA - SANMAR - SANLUOB media market.

San Luis Obispo, CA sits in a university / college context (near cuesta college (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 93405 is about $52,481 — about 30% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 44.5%; unemployment rate near 9.9%; 52.0% of adults with a bachelor’s degree or higher (about 18.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Education, and Retail trade; about 12.8% of workers reporting work-from-home (about 2.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $897,800 — about 158% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,896 (about 63% above the U.S. median rent ($1,163)), and owner-occupancy near 32.7% (about 32.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93405 in San Luis Obispo, CA, a household would need roughly $247,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,767. That is about 371% above the local median household income ($52,481), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for San Luis Obispo city, CA as Relatively High (composite score 95.9), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.3) and flood (96.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for San Luis Obispo city, CA show little to no average snow and around 22.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,174 for ZIP 93405 (San Luis Obispo city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.