| City: | San Mateo, California |
| County: | San Mateo County |
| Timezone: | Pacific (GMT -08:00) |
| Local Time: | 8:53:28 PM |
| Population: | 45,057 [See All] |
| Area Code: | 650 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 37.5407, -122.3042 |
| Land Area: | 5.633 sq mi |
| Quick Link: |
ZIP Code 94403 has 45,057 residents and 17,020 households (average 2.61 persons per household). The median age is 38.2 years, about the same as the state (37.5) and about the same as the nation (38.8). The gender split is 49.2% male and 50.8% female, which is about the same as the state male share (49.4%), making this a female-majority area. Largest groups are White (42.8%, much lower than the national average of 61.6%) and Asian (29.6%, much higher than the state average of 15.4% and well above the national average of 6.0%); Hispanic or Latino residents make up 21.8%, which is much lower than the state average (39.4%), and Asian share is much higher than both the state (15.4%) and national averages (6.0%).
Explore More:Population Over TimeBy Age & GenderBy RaceBy GenderNativity & Citizenship
| 2020 Population: | 45,057Source: Census DHC |
| 2023 ACS Population Estimate: | 43,459Source: Census ACS |
| 2025 ZC Population Estimate: | 47,303Source: ZIP-Codes.com |
| Population Density: | 7,998.8 people per sq mile |
| Average Income: | $179,825Source: Census ACS |
| Households: | 17,020Source: Census DHC |
| Average House Value: | $1,725,900Source: Census ACS |
| Persons Per Household: | 2.61Source: Census DHC |
| Average Family Size: | 2.88Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 39,102 | 39,311 | 39,720 | 40,032 | 40,548 | 42,252 | 43,393 | 44,300 | 44,408 | 44,361 | 44,244 | 43,858 | 43,459 |
| Decennial Census | 39,642 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 45,057 | -- | -- | -- |
Median Age: 38.2
Male Median Age: 36.8
Female Median Age: 39.7
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 1,475 | 1,151 | 1,258 | 1,180 | 1,290 | 1,870 | 2,123 | 1,922 | 1,550 | 1,460 | 1,372 | 1,370 | 1,256 | 936 | 731 | 511 | 335 | 363 |
| Female | 1,346 | 1,219 | 1,104 | 1,089 | 1,120 | 1,822 | 1,972 | 1,892 | 1,675 | 1,469 | 1,435 | 1,491 | 1,320 | 1,068 | 903 | 764 | 528 | 687 |
| Total | 2,821 | 2,370 | 2,362 | 2,269 | 2,410 | 3,692 | 4,095 | 3,814 | 3,225 | 2,929 | 2,807 | 2,861 | 2,576 | 2,004 | 1,634 | 1,275 | 863 | 1,050 |
| White: | 19,297 | 39.33% |
| Black: | 670 | 1.37% |
| Hispanic:* | 9,808 | 19.99% |
| Asian: | 13,355 | 27.22% |
| American Indian: | 299 | 0.61% |
| Hawaiian: | 433 | 0.88% |
| Other: | 5,201 | 10.60% |
| Total: | 49,063 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 22,153 | 49.17% | 36.8 years |
| Females: | 22,904 | 50.83% | 39.7 years |
| Total: | 45,057 | 100% | 38.2 years |
| Native, born in the United States: | 26,924 | 61.95% |
| Native, born in PR, Island Areas, or abroad: | 632 | 1.45% |
| Foreign born, naturalized U.S. citizen: | 8,248 | 18.98% |
| Foreign born, not a U.S. citizen: | 7,655 | 36.59% |
| Total Population: | 43,459 | 100% |
| Total Native Population: | 27,556 | 63.41% |
| Total Foreign-born Population: | 15,903 | 36.59% |
In 2023, the Median household income is $179,825, which is markedly greater than the national median ($78,538), is up $90,620 (101.6%) since 2011 and above its 2019 pre-pandemic level by $44,950. Family households earn a median of $216,593 versus $102,989 for nonfamily households (a difference of $113,604). By gender, male median income is $133,906 and female is $108,030, which is much higher than the national female median ($53,445), with a current gap of $25,876 that has widened from 2011 to 2023. The labor-force participation rate is 71.2%, which is markedly above the national rate (63.5%). The unemployment rate is 5.3%, which is below the state rate (6.4%). The largest occupation group is Management (62.1%).
Explore More:Income Over TimeHousehold IncomeEmployment StatusBy Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $89,205 | $92,123 | $90,764 | $95,189 | $98,923 | $103,612 | $112,935 | $123,968 | $134,875 | $139,631 | $151,369 | $171,213 | $179,825 |
| Median Family Income | $113,803 | $114,821 | $110,302 | $112,313 | $112,054 | $121,571 | $131,006 | $146,231 | $159,029 | $165,748 | $179,855 | $205,250 | $216,593 |
| Median NonFamily Income | $56,259 | $58,982 | $59,021 | $63,106 | $67,620 | $72,901 | $72,859 | $75,921 | $81,969 | $83,933 | $82,356 | $99,640 | $102,989 |
| Median Male Income | $72,106 | $73,031 | $74,398 | $76,365 | $80,169 | $82,368 | $91,332 | $94,814 | $105,277 | $104,672 | $116,258 | $127,927 | $133,906 |
| Median Female Income | $61,127 | $61,981 | $61,845 | $64,357 | $63,546 | $66,982 | $75,738 | $82,500 | $87,414 | $91,175 | $98,294 | $107,147 | $108,030 |
| Employed: | 24,275 | 67.47% |
| Unemployed: | 1,354 | 3.76% |
| Not In Labor Force: | 10,350 | 28.77% |
| Total: | 35,979 | 100% |
| Management, business, science, and arts: | 15,071 | 62.08% |
| Service: | 3,032 | 12.49% |
| Sales and Office: | 3,285 | 13.53% |
| Natural resources, construction, and maintenance: | 1,127 | 4.64% |
| Production, transportation, and material moving: | 1,760 | 7.25% |
| Total Civilian Employed Population: | 24,275 | 100% |
In 2023, the median home value is $1,725,900, which is far above the national median ($303,400), is up $939,700 (119.52%) since 2011 and above its 2019 pre-pandemic level by $526,100. The median gross rent is $3,273, which is considerably higher than the national median ($1,348), is up $1,607 (96.46%) since 2011 and above its 2019 pre-pandemic level by $608. Of occupied housing, owners make up 53.97% (70.64% with a mortgage, 29.36% free-and-clear) and renters 46.03% - making this ZIP Code less home ownership than the state and higher than national rental averages. The vacancy rate is 7.41%, which is far lower than the national rate (10.43%).
Explore More:Compare Home ValueHome Value Over TimeRent & Over TimeHousing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $786,200 | $763,800 | $755,400 | $790,300 | $823,500 | $888,800 | $979,500 | $1,102,900 | $1,199,800 | $1,375,300 | $1,499,300 | $1,681,500 | $1,725,900 |
| Less than $500: | 106 | 1.41% |
| $500 to $999: | 81 | 1.07% |
| $1,000 to $1,499: | 127 | 1.69% |
| $1,500 to $1,999: | 574 | 7.62% |
| $2,000 to $2,499: | 1,124 | 14.92% |
| $2,500 to $2,999: | 1,036 | 13.75% |
| $3,000 or more: | 4,451 | 59.06% |
| No Rent: | 37 | 0.49% |
| Total: | 7,536 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,666 | $1,760 | $1,807 | $1,858 | $1,931 | $2,104 | $2,266 | $2,489 | $2,665 | $2,855 | $2,971 | $3,166 | $3,273 |
| Owner Occupied (with mortgage): | 6,242 | 38.13% |
| Owner Occupied (free and clear, no mortgage): | 2,594 | 15.84% |
| Renter Occupied: | 7,536 | 46.03% |
| Total Occupied Housing Units: | 16,372 | 100% |
| Occupied Housing Units: | 16,372 | 92.59% |
| Vacant Housing Units (not graphed): | 1,310 | 7.41% |
| Total Housing Units: | 17,682 | 100% |
| Single-Family Units: | 9,987 | 56.48% |
| Multi-Family Units: | 7,659 | 43.32% |
| Other Units: | 36 | 0.20% |
| Total Housing Units: | 17,682 | 100% |
In 2023, 60.30% of adults (25+) have a bachelor's degree or higher, which is far higher than the national rate (35.00%), well above both the state and national averages. High school or higher is 92.00%, which is markedly above the state rate (84.60%). The uninsured rate is 3.10%, which is far lower than the national rate (8.60%). Private coverage is 80.80%, which is notably higher than the state rate (64.00%). Public coverage is 26.60%, which is generally lower than the state rate (38.90%). The share of people in poverty is 3.40%, which is far lower than the national rate (8.70%), up 0.50 percentage points since 2011 and above its 2019 pre-pandemic level by 0.30 percentage points. Poverty has been broadly stable, which may reflect structural barriers or offsetting gains and setbacks. Among residents ages 3+, the largest enrollment group is elementary (41.79%). College enrollment is 26.80%, which is on par with the state rate (30.00%), meaning the community mirrors broader higher-education participation.
Explore More:Educational AttainmentHealth InsurancePoverty Over TimeSchool Enrollment
| Less than 9th grade: | 1,560 | 4.83% |
| 9th to 12th grade, no diploma: | 1,032 | 3.19% |
| High school graduate (includes equivalency): | 3,655 | 11.31% |
| Some college, no degree: | 4,489 | 13.89% |
| Associate's degree: | 2,095 | 6.48% |
| Bachelor's degree: | 10,861 | 33.60% |
| Graduate or professional degree: | 8,634 | 26.71% |
| Total: | 32,326 | 100% |
| High school or higher: | 29,734 | 91.98% |
| Bachelor's degree or higher: | 19,495 | 60.31% |
| Private Insurance: | 34,990 | 73.13% |
| Public Insurance: | 11,509 | 24.05% |
| No Insurance: | 1,348 | 2.82% |
| Total: | 47,847 | 100% |
| Has Health Insurance: | 46,499 | 97.18% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 2.9% | 2.5% | 1.9% | 2.5% | 2.2% | 2.6% | 2.8% | 3.5% | 3.1% | 2.8% | 2.0% | 3.2% | 3.4% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 476 | 5.41% |
| Kindergarten: | 474 | 5.39% |
| Elementary school (grades 1-8): | 3,678 | 41.79% |
| High school (grades 9-12): | 1,814 | 20.61% |
| College or graduate school: | 2,359 | 26.80% |
| Total: | 8,801 | 100% |
| Early Childhood: | 950 | 10.79% |
| K-12 (Primary & Secondary School): | 5,966 | 67.79% |
ZIP Code 94403 supports both business and residential activity. According to the Business Census (2023), there are 1,204 business establishments, employing about 32,578 people with an annual payroll of $5,451,196,000. USPS data shows 18,124 residential mailboxes and 1,116 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 18,124Source: USPS |
| # Business Mailboxes: | 1,116Source: USPS |
| Total Delivery Receptacles: | 19,731Source: USPS |
| Single Family Delivery Units: | 9,900Source: USPS |
| Multi Family Delivery Units: | 6,064Source: USPS |
| # of Businesses: | 1,204Source: CBP |
| 1st Quarter Payroll: | $1,285,147,000Source: CBP |
| Annual Payroll: | $5,451,196,000Source: CBP |
| # of Employees: | 32,578Source: CBP |
ZIP Code 94403 is located in San Mateo County, California, within the San Francisco-Oakland-Fremont, CA Metropolitan Statistical Area (CBSA 41860) and California's 15th Congressional District. This Metro area has a population of 4,653,593 people, about 0.97% of whom live in ZIP Code 94403, and is subdivided into the San Francisco-San Mateo-Redwood City, CA division. It covers 5.633 sq mi of land and a water area of 0.156 sq mi.
| CBSA Name: | San Francisco-Oakland-Fremont, CASource: Census |
| CBSA Number: | 41860Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | San Francisco-San Mateo-Redwood City, CA (CBSA Div 41884)Source: Census |
| CBSA Population: | 4,653,593Source: Census |
| MSA: | San Francisco-Oakland-San Jose, CA CMSASource: Census |
| Land Area: | 5.633 sq miSource: Census |
| Water Area: | 0.156 sq miSource: Census |
| Congressional District: | 15Source: USPS |
| Congressional Land Area: | 599.45 sq miSource: Census |
| PMSA: | San Francisco, CA PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 0668252Source: Census |
| Place Name: | San Mateo city; CaliforniaSource: Census |
ZIP Code 94403 is part of 2 school districts, including: San Mateo-Foster City Elementary School District (Grades KG thru 08) and San Mateo Union High School District (Grades 9th thru 12th). There are 8 public schools and 12 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.