ZIP Code 94021 — Loma Mar CDP, CA Demographics & Data

ZIP code 94021 covers Loma Mar, CA in San Mateo County with a population of about 332.

At a glance, the area shows median age of 51.1 versus a U.S. median of about 38.9.

It sits in telephone area code 650; U.S. House district CA-16; the SAN FRANCISCO - OAK - SAN JOSE media market.

Loma Mar, CA ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$209,712)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 94021 is about $209,712 — about 179% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 63.4% of adults with a bachelor’s degree or higher (about 29.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Professional services, and Real estate; about 6.3% of workers reporting work-from-home (about 8.9 points below the U.S. share (15.2%)); a mean commute of about 165.0 minutes (U.S. average near 26.8).

Median home value is about $1,020,800 — about 193% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 74.3% (about 8.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94021 in Loma Mar, CA, a household would need roughly $281,000 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 $6,557. That is about 34% above the local median household income ($209,712), 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 Loma Mar CDP, CA as Relatively High (composite score 99.2), which is among the highest nationally. The strongest component scores on US5 are flood (98.4) and wildfire (92.0). 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 Loma Mar CDP, CA show little to no average snow and around 30.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 94021 (Loma Mar CDP, 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.