ZIP Code 94540 — undefined, undefined Demographics & Data

ZIP code 94540 covers ZIP 94540 with a population of about 4,244.

At a glance, the area shows median age of 41.3 versus a U.S. median of about 38.9.

It sits in the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 94540 is about $108,867 — about 45% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 4.2%; 28.5% of adults with a bachelor’s degree or higher (about 5.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Food services, and Healthcare; about 9.7% of workers reporting work-from-home (about 5.5 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 $846,800 — about 143% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,348 (about 102% above the U.S. median rent ($1,163)), and owner-occupancy near 49.0% (about 16.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94540, a household would need roughly $233,000 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 $5,440. That is about 114% above the local median household income ($108,867), 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.