ZIP Code 94038 — Moss Beach CDP, CA Demographics & Data

ZIP code 94038 covers Moss Beach, CA in San Mateo County with a population of about 3,016.

At a glance, the area shows median age of 44.3 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.

Moss Beach, CA matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 94038 is about $128,333 — about 71% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 0.0%; 51.1% of adults with a bachelor’s degree or higher (about 17.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Other services, and Retail trade; about 18.3% of workers reporting work-from-home (about 3.1 points above 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 $1,112,900 — about 220% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.6% (about 31.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94038 in Moss Beach, CA, a household would need roughly $306,000 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 $7,149. That is about 138% above the local median household income ($128,333), 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 Moss Beach 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 Moss Beach CDP, CA show little to no average snow and around 31.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 148 for ZIP 94038 (Moss Beach 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.