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Population & Demographics

ZIP Code 95340 has 38,606 residents and 12,694 households (average 2.84 persons per household). The median age is 33.2 years, younger than the state (37.5) and younger than the nation (38.8). The gender split is 48.7% male and 51.3% female, which is about the same as the state male share (49.4%), making this a female-majority area. Largest groups are White (47.7%, much lower than the national average of 61.6%) and Hispanic or Latino (46.7%); Hispanic or Latino residents make up 46.7%, which is much higher than the national average (18.7%), and Other / Two or More Races share is much higher than the national average (8.4%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2023 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	38,606Source: Census DHC
2023 ACS Population Estimate:	38,045Source: Census ACS
2025 ZC Population Estimate:	37,698Source: ZIP-Codes.com
Population Density:	743.0 people per sq mile
Average Income:	$65,141Source: Census ACS

Households:	12,694Source: Census DHC
Average House Value:	$383,200Source: Census ACS
Persons Per Household:	2.84Source: Census DHC
Average Family Size:	3.31Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 95340 population estimates from 2011-2023, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Census ACS Population Estimate	--	32,014	31,624	33,512	34,745	35,309	36,541	36,543	36,373	35,827	36,402	37,584	36,833	38,045
Decennial Census	33,931	--	--	--	--	--	--	--	--	--	38,606	--	--	--

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 33.2

Male Median Age: 32.1

Female Median Age: 34.5

Line chart for ZIP 95340 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

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	1,200	1,295	1,356	2,169	1,555	1,302	1,227	1,078	1,037	989	993	1,052	988	853	754	464	269	223
Female	1,217	1,311	1,375	2,137	1,542	1,247	1,185	1,184	1,051	1,038	991	1,160	1,182	974	850	584	356	418
Total	2,417	2,606	2,731	4,306	3,097	2,549	2,412	2,262	2,088	2,027	1,984	2,212	2,170	1,827	1,604	1,048	625	641

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 95340. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	18,398	36.74%
Black:	1,919	3.83%
Hispanic:*	18,039	36.02%
Asian:	3,062	6.11%
American Indian:	830	1.66%
Hawaiian:	79	0.16%
Other:	7,756	15.49%
Total:	50,083	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 95340. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	18,804	48.71%	32.1 years
Females:	19,802	51.29%	34.5 years
Total:	38,606	100%	33.2 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 95340. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	31,819	83.64%
Native, born in PR, Island Areas, or abroad:	400	1.05%
Foreign born, naturalized U.S. citizen:	3,168	8.33%
Foreign born, not a U.S. citizen:	2,658	15.31%
Total Population:	38,045	100%
Total Native Population:	32,219	84.69%
Total Foreign-born Population:	5,826	15.31%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2023, the Median household income is $65,141, which is considerably lower than the state median ($96,334), is up $17,587 (37.0%) since 2011 and above its 2019 pre-pandemic level by $9,671. Family households earn a median of $77,583 versus $39,107 for nonfamily households (a difference of $38,476). By gender, male median income is $64,595 and female is $47,029, which is much lower than the state female median ($61,569), with a current gap of $17,566 that has widened from 2011 to 2023. The labor-force participation rate is 57.7%, which is falls short of the state rate (63.9%). The unemployment rate is 12.6%, which is far worse than the national rate (5.2%). The largest occupation group is Management (37.1%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 95340 from 2011-2023 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$47,554	$49,209	$47,779	$49,688	$47,128	$50,334	$51,275	$56,089	$55,470	$56,941	$59,034	$64,809	$65,141
Median Family Income	$60,155	$62,298	$61,031	$60,716	$57,214	$59,025	$60,872	$64,706	$68,958	$68,995	$70,057	$76,096	$77,583
Median NonFamily Income	$26,484	$27,017	$26,396	$26,504	$26,743	$26,637	$29,129	$31,469	$32,411	$31,734	$32,337	$38,675	$39,107
Median Male Income	$49,100	$50,036	$46,739	$48,304	$45,649	$45,640	$46,266	$48,225	$48,972	$51,228	$56,149	$62,673	$64,595
Median Female Income	$33,715	$35,823	$37,150	$39,299	$39,507	$41,784	$42,540	$41,984	$45,333	$41,861	$41,260	$45,659	$47,029

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 95340, city of Merced, Merced County, state of California, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 95340, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	15,009	50.34%
Unemployed:	2,161	7.25%
Not In Labor Force:	12,647	42.42%
Total:	29,817	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	5,566	37.08%
Service:	2,843	18.94%
Sales and Office:	3,008	20.04%
Natural resources, construction, and maintenance:	1,719	11.45%
Production, transportation, and material moving:	1,873	12.48%
Total Civilian Employed Population:	15,009	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2023, the median home value is $383,200, which is far less than the state median ($695,400), is up $156,800 (69.26%) since 2011 and above its 2019 pre-pandemic level by $110,400. The median gross rent is $1,204, which is well under the state median ($1,956), is up $476 (65.38%) since 2011 and above its 2019 pre-pandemic level by $226. Of occupied housing, owners make up 56.25% (62.18% with a mortgage, 37.82% free-and-clear) and renters 43.75% - making this ZIP Code more home ownership than the state and higher than national rental averages. The vacancy rate is 6.93%, which is far lower than the national rate (10.43%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 95340, compared with Merced, Merced County, state of California, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 95340 across years 2011-2023 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Home Value	$226,400	$186,800	$165,800	$167,100	$181,500	$203,200	$227,000	$253,300	$272,800	$286,700	$300,400	$355,600	$383,200

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 95340, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	213	3.86%
$500 to $999:	1,322	23.95%
$1,000 to $1,499:	2,343	42.45%
$1,500 to $1,999:	944	17.10%
$2,000 to $2,499:	348	6.31%
$2,500 to $2,999:	108	1.96%
$3,000 or more:	16	0.29%
No Rent:	225	4.08%
Total:	5,519	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 95340 over the years 2011-2023 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Rent	$728	$751	$795	$804	$823	$860	$922	$975	$978	$982	$1,065	$1,120	$1,204

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 95340. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	4,412	34.98%
Owner Occupied (free and clear, no mortgage):	2,683	21.27%
Renter Occupied:	5,519	43.75%
Total Occupied Housing Units:	12,614	100%

Occupied Housing Units:	12,614	93.07%
Vacant Housing Units (not graphed):	939	6.93%
Total Housing Units:	13,553	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 95340. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	11,178	82.48%
Multi-Family Units:	2,272	16.76%
Other Units:	103	0.76%
Total Housing Units:	13,553	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2023, 26.20% of adults (25+) have a bachelor's degree or higher, which is markedly below the state rate (36.50%). High school or higher is 85.90%, which is falls below the national rate (89.40%). The uninsured rate is 5.50%, which is falls below the national rate (8.60%). Public coverage is 49.40%, which is well above the national rate (36.30%). The share of people in poverty is 16.70%, which is markedly above the state rate (8.40%), up 2.30 percentage points since 2011 and above its 2019 pre-pandemic level by 0.20 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is college (36.58%). College enrollment is 36.58%, which is far higher than the national rate (26.70%), indicating the community is likely a college hub with student-driven housing and services.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 95340, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	1,470	6.29%
9th to 12th grade, no diploma:	1,819	7.78%
High school graduate (includes equivalency):	5,350	22.89%
Some college, no degree:	5,863	25.08%
Associate's degree:	2,751	11.77%
Bachelor's degree:	3,770	16.13%
Graduate or professional degree:	2,351	10.06%
Total:	23,374	100%
High school or higher:	20,085	85.93%
Bachelor's degree or higher:	6,121	26.19%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 95340. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	21,219	50.58%
Public Insurance:	18,653	44.47%
No Insurance:	2,076	4.95%
Total:	41,948	100%
Has Health Insurance:	39,872	95.05%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2023)

Line chart displaying the share of families and people in ZIP 95340 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2023. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
% of People in Poverty	14.4%	15.5%	16.4%	18.2%	20.2%	18.9%	17.7%	16.7%	16.5%	15.7%	17.1%	16.6%	16.7%

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

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.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	650	5.37%
Kindergarten:	604	4.99%
Elementary school (grades 1-8):	4,012	33.17%
High school (grades 9-12):	2,405	19.88%
College or graduate school:	4,425	36.58%
Total:	12,096	100%
Early Childhood:	1,254	10.37%
K-12 (Primary & Secondary School):	7,021	58.04%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Merced, California
County:	Merced County
Timezone:	Pacific (GMT -08:00)
Local Time:	9:06:09 PM
Population:	38,606 [See All]
Area Codes:	209 / 350
Classification:	Standard [Normal Street Delivery]
Coordinates:	37.3754, -120.3802
Land Area:	51.957 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/95340/zip-code-95340.asp

# Residential Mailboxes:	13,274Source: USPS
# Business Mailboxes:	1,145Source: USPS
Total Delivery Receptacles:	14,834Source: USPS
Single Family Delivery Units:	8,602Source: USPS
Multi Family Delivery Units:	653Source: USPS

# of Businesses:	866Source: CBP
1st Quarter Payroll:	$156,264,000Source: CBP
Annual Payroll:	$617,230,000Source: CBP
# of Employees:	12,291Source: CBP

CBSA Name:	Merced, CASource: Census
CBSA Number:	32900Source: Census
CBSA Type:	MetroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	285,597Source: Census
MSA:	Merced, CA MSASource: Census
Land Area:	51.957 sq miSource: Census
Water Area:	0.753 sq miSource: Census

Congressional District:	13Source: USPS
Congressional Land Area:	96.79 sq miSource: Census
PMSA:	--Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	0646898Source: Census
Place Name:	Merced city; CaliforniaSource: Census

ZIP Code 95340 in Merced, CA

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2023)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 95340

Colleges & Post Secondary Schools near ZIP Code 95340

Sources & References