ZIP Code Tabulation Area

94401

San Mateo, CA · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
35,295
Median household income
$122,227
People below poverty
12.2%
Median home value
$1,184,500

Income

The median income of households in 94401 was $122,227. An estimated 2.8% of households had income below $10,000 a year and 27.6% had income of $200,000 or more.

Household Income in 94401 in 2020-2024

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Percent
Less than $10,000 2.8
$10,000 to $14,999 2.5
$15,000 to $24,999 5.2
$25,000 to $34,999 3.8
$35,000 to $49,999 10
$50,000 to $74,999 10
$75,000 to $99,999 9
$100,000 to $149,999 14.3
$150,000 to $199,999 14.5
$200,000 or more 27.6

Median Earnings for Full-Time Year-Round Workers by Sex in 94401 in 2020-2024

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Dollars
Male 88008
Female 85994

An estimated 81.7% of households received earnings. An estimated 24.8% of households received Social Security and an estimated 19.4 % of households received retirement income other than Social Security. The average income from Social Security was $22,891. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 94401 in 2020-2024

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Percent
Earnings 81.7
Social Security 24.8
Retirement income 19.4
Supplemental Security Income (SSI) 5.9
Cash public assistance income 1.7

Poverty and Participation in Government Programs

In 2020-2024, 12.2 % of people were in poverty. An estimated 16.2% of children under 18 were below the poverty level, compared with 14.9% of people 65 years old and over. An estimated 10.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 94401 in 2020-2024

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Percent
People in poverty 12.2
Children under 18 years below poverty 16.2
People 65 years old and over below poverty 14.9
People 18 to 64 years below poverty 10.3

In 2020-2024, 7.2 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 43.4% of households that received SNAP had children under 18, and 48% of households that received SNAP had one or more people 60 years and over. An estimated 14.6% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 94401 in 2020-2024, 94.6% had health insurance coverage and 5.4% did not have health insurance coverage. Private coverage was 69.4% and public coverage was 37.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 3.8%.


In 2020-2024, 94401 had a total population of 35,295 - 17,535 (49.7%) females and 17,760 (50.3%) males. The median age was 35.9 years. An estimated 19.2% of the population was under 18 years, 40.1% was 19 to 44 years, 21.7% was 45 to 64 years, and 16.6 % was 65 years and older.

Population by Age and Sex for 94401 in 2020-2024

Male Female
Under 5 1106 886
5 to 9 1095 759
10 to 14 908 971
15 to 19 873 1045
20 to 24 1366 1070
25 to 29 1870 1461
30 to 34 2135 1306
35 to 39 1425 1484
40 to 44 947 1069
45 to 49 1166 1199
50 to 54 675 839
55 to 59 974 712
60 to 64 944 1153
65 to 69 795 940
70 to 74 512 809
75 to 79 329 809
80 to 84 213 301
85 and over 427 722

Hispanic Origin and Race

For people reporting one race alone, 29.6% were White; 1.4% were Black or African American; 1.6% were American Indian and Alaska Native; 24.2% were Asian; 0.5% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 20.4% reported Two or More Races. An estimated 38% of the people in 94401 were Hispanic or Latino. An estimated 25.1% of the people in 94401 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 13,026 households in 94401. The average household size was 2.64 people.

Married-couple households made up 40% of the households in 94401 while cohabiting couple households made up 10.1% of households. Female householders with no spouse or partner present were 27.4% of all households, while 22.4% of households had male householders with no spouse or partner present. Some households had one person, as 15.1% of households were male householders living alone, and 15% were female householders living alone, for a total of 30.1% of all households.

In 94401, 26.9% of all households had one or more people under the age of 18; 30.5% of all households had one or more people 65 years and over.

Types of Households in 94401 in 2020-2024

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Percent
Married-couple households 40
Cohabiting Couples 10.1
Male Householder
No spouse/partner present
22.4
Female Householder
No spouse/partner present
27.4

Marital Status

Among persons 15 and older, 40.6% of males and 39.7% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 46.4 36.4
Now married, except separated 40.6 39.7
Separated 2.3 3.4
Widowed 1.9 8.9
Divorced 8.9 11.6

Grandparents and Grandchildren

In 94401, 608 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 22.9% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 60.1% of the people living in 94401 were U.S. natives. 47.5% of the 94401 population were living in the state where they were born.

Approximately 39.9% of 94401 residents in 2020-2024 were foreign-born. 43% of foreign-born were naturalized U.S. citizens and an estimated 64.6 % entered the country before the year 2010.

Foreign-born residents of 94401 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 94401.

Region of Birth for the Foreign-Born Population in 94401 in 2020-2024

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Percent
Latin America 47.7
Asia 38.5
Europe 8.5
Africa 0.5
Northern America 1.2
Oceania 3.4

Language

Among people at least five years old living in 94401 in 2020-2024, 54.8 % spoke a language other than English at home. Spanish was spoken by 31.5% of people at least five years old; 22.8% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 94401 in 2020-2024

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Percent
Spanish 31.5
Other Indo-European languages 7.1
Asian and Pacific Islander languages 15.2
Other languages 1

Geographic Mobility

In 2020-2024, 87.2 % of the people at least one year old living in 94401 were living in the same house one year earlier.

Geographic Mobility of Residents of 94401 in 2020-2024

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Percent
Same house 87.2
Different house, same county 5.8
Different county, same state 4.6
Different state 1.7
Abroad 0.7

Education

In 2020-2024, 85.2 % of people 25 years and over had at least graduated from high school and 46.3% had a bachelor's degree or higher. An estimated 14.8% did not complete high school.

The total school enrollment in 94401 was 8,572 in 2020-2024. Nursery school enrollment was 358 and kindergarten through 12th grade enrollment was 5,052. College or graduate school enrollment was 3,162.

Educational Attainment of People in 94401 in 2020-2024

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Percent
Less than high school diploma 14.8
High school diploma or equivalency 15.1
Some college, no degree 15.5
Associate's degree 8.3
Bachelor's degree 27.7
Graduate or professional degree 18.5

Disability

In 94401, among the civilian noninstitutionalized population in 2020-2024, 11.3 % reported a disability. The likelihood of having a disability varied by age - from 4.8% of people under 18 years old, to 6.7% of people 18 to 64 years old, and to 36.6% of those 65 and over.


Employment Status and Type of Employer

In 94401, 65.2 % of the population 16 and over were employed; 32.4% were not currently in the labor force.

An estimated 82.3% of the people employed were private wage and salary workers; 9.7% were federal, state, or local government workers; and 7.7 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 15,717 82.3
Federal, state, or local government workers 1,849 9.7
Self-employed workers in own not incorporated business 1,480 7.7

Industries

In 2020-2024, the civilian employed population 16 years and older in 94401 worked in the following industries:

Percent by Industry in 94401 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.6
Construction 8.2
Manufacturing 5.3
Wholesale trade 3.2
Retail trade 10.4
Transportation and warehousing, and utilities 5.9
Information 3.6
Finance and insurance, and real estate and rental and leasing 5.9
Professional, scientific, and management, and administrative and waste management services 26.1
Educational services, and health care and social assistance 17.1
Arts, entertainment, and recreation, and accommodation, and food services 6.6
Other Services, except public administration 4.3
Public administration 2.7

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 94401 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 9,092 47.6
Service occupations 3,487 18.3
Sales and office occupations 3,070 16.1
Natural resources, construction, and maintenance occupations 1,865 9.8
Production, transportation, and material moving occupations 1,592 8.3

Commuting to Work

An estimated 60.4% of 94401 workers drove to work alone in 2020-2024, and 8.9% carpooled. Among those who commuted to work, it took them on average 25.7 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 94401 in 2020-2024

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Percent
Car, truck, van -- drove alone 60.4
Car, truck, van -- carpooled 8.9
Public transportation (excluding taxicab) 5.2
Walked 1.9
Other means 2.9
Worked from home 20.8

In 2020-2024, 94401 had a total of 13,818 housing units. Of these housing units, 39% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 60.6% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0.1% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 94401 in 2020-2024

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Percent
Single-family houses 39
Apartments in multi-unit structures 60.6
Mobile homes 0.1
Boat, RV, van, etc 0.3

5.1% of the housing inventory was comprised of houses built since 2010, while 9.4% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 94401 was 4.1 rooms, and of these housing units 27.6% had three or more bedrooms.


In 2020-2024, 94401 had 13,026 housing units that were occupied or had people living in them, while the remaining 792 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 43.4% while renters occupied 56.6%. The average household size of owner-occupied houses was 2.53 and in renter-occupied houses it was 2.73.

5.1% of householders of these occupied houses had moved into their house since 2021, while 7.1% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 8.7% and another 17.3% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 94401:

House Heating Fuel Used in 94401 in 2020-2024

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Percent
Gas 53.2
Electricity 41.7
Fuel oil, kerosene, etc 0.3
All other fuels 0.5
No fuel used 4.2

In 2020-2024, the median property value for owner-occupied houses in 94401 was $1,184,500.

Of the owner-occupied households, 66.8 % had a mortgage. 33.2% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $3,985 and for owners without a mortgage it was $1,115.

For renter-occupied houses, the median gross rent for 94401 was $2,762. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.