ZIP Code Tabulation Area

95386

Waterford, 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
10,666
Median household income
$73,196
People below poverty
15.7%
Median home value
$416,500

Income

The median income of households in 95386 was $73,196. An estimated 5.3% of households had income below $10,000 a year and 8.1% had income of $200,000 or more.

Household Income in 95386 in 2020-2024

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Percent
Less than $10,000 5.3
$10,000 to $14,999 1.9
$15,000 to $24,999 6.7
$25,000 to $34,999 7.5
$35,000 to $49,999 10.8
$50,000 to $74,999 20.1
$75,000 to $99,999 6.7
$100,000 to $149,999 25.5
$150,000 to $199,999 7.4
$200,000 or more 8.1

Median Earnings for Full-Time Year-Round Workers by Sex in 95386 in 2020-2024

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Dollars
Male 60410
Female 36250

An estimated 80.6% of households received earnings. An estimated 24.2% of households received Social Security and an estimated 25 % of households received retirement income other than Social Security. The average income from Social Security was $23,353. 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 95386 in 2020-2024

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Percent
Earnings 80.6
Social Security 24.2
Retirement income 25
Supplemental Security Income (SSI) 5
Cash public assistance income 4.2

Poverty and Participation in Government Programs

In 2020-2024, 15.7 % of people were in poverty. An estimated 21.1% of children under 18 were below the poverty level, compared with 11.4% of people 65 years old and over. An estimated 14.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 95386 in 2020-2024

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Percent
People in poverty 15.7
Children under 18 years below poverty 21.1
People 65 years old and over below poverty 11.4
People 18 to 64 years below poverty 14.3

In 2020-2024, 18.3 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 65% of households that received SNAP had children under 18, and 38.9% of households that received SNAP had one or more people 60 years and over. An estimated 40.6% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 95386 in 2020-2024, 93.9% had health insurance coverage and 6.1% did not have health insurance coverage. Private coverage was 55.3% and public coverage was 47.5%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 1.5%.


In 2020-2024, 95386 had a total population of 10,666 - 5,191 (48.7%) females and 5,475 (51.3%) males. The median age was 33.5 years. An estimated 25.4% of the population was under 18 years, 32.9% was 19 to 44 years, 27.2% was 45 to 64 years, and 9.9 % was 65 years and older.

Population by Age and Sex for 95386 in 2020-2024

Male Female
Under 5 279 285
5 to 9 472 322
10 to 14 463 404
15 to 19 510 475
20 to 24 426 450
25 to 29 551 392
30 to 34 174 288
35 to 39 433 218
40 to 44 200 376
45 to 49 372 537
50 to 54 317 425
55 to 59 388 236
60 to 64 343 276
65 to 69 183 198
70 to 74 157 127
75 to 79 55 72
80 to 84 124 75
85 and over 28 35

Hispanic Origin and Race

For people reporting one race alone, 57% were White; 0.5% were Black or African American; 4.9% were American Indian and Alaska Native; 3.3% were Asian; 0.3% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 30.3% reported Two or More Races. An estimated 47.1% of the people in 95386 were Hispanic or Latino. An estimated 46.7% of the people in 95386 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 3,090 households in 95386. The average household size was 3.45 people.

Married-couple households made up 50.7% of the households in 95386 while cohabiting couple households made up 6% of households. Female householders with no spouse or partner present were 23% of all households, while 20.3% of households had male householders with no spouse or partner present. Some households had one person, as 9.3% of households were male householders living alone, and 8% were female householders living alone, for a total of 17.3% of all households.

In 95386, 45.2% of all households had one or more people under the age of 18; 25.6% of all households had one or more people 65 years and over.

Types of Households in 95386 in 2020-2024

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Percent
Married-couple households 50.7
Cohabiting Couples 6
Male Householder
No spouse/partner present
20.3
Female Householder
No spouse/partner present
23

Marital Status

Among persons 15 and older, 45.9% of males and 47.8% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 43.8 31.7
Now married, except separated 45.9 47.8
Separated 2.2 6.8
Widowed 1.8 4.3
Divorced 6.4 9.4

Grandparents and Grandchildren

In 95386, 366 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 28.1% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 77.3% of the people living in 95386 were U.S. natives. 68.9% of the 95386 population were living in the state where they were born.

Approximately 22.7% of 95386 residents in 2020-2024 were foreign-born. 28% of foreign-born were naturalized U.S. citizens and an estimated 64.4 % entered the country before the year 2010.

Foreign-born residents of 95386 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 95386.

Region of Birth for the Foreign-Born Population in 95386 in 2020-2024

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Percent
Latin America 84.1
Asia 8.4
Europe 2.7
Africa 1.9
Northern America 0.7
Oceania 2.2

Language

Among people at least five years old living in 95386 in 2020-2024, 37.8 % spoke a language other than English at home. Spanish was spoken by 33.6% of people at least five years old; 18.9% 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 95386 in 2020-2024

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Percent
Spanish 33.6
Other Indo-European languages 3.2
Asian and Pacific Islander languages 0.6
Other languages 0.5

Geographic Mobility

In 2020-2024, 88.5 % of the people at least one year old living in 95386 were living in the same house one year earlier.

Geographic Mobility of Residents of 95386 in 2020-2024

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Percent
Same house 88.5
Different house, same county 6.4
Different county, same state 4.5
Different state 0
Abroad 0.7

Education

In 2020-2024, 73.3 % of people 25 years and over had at least graduated from high school and 10.7% had a bachelor's degree or higher. An estimated 26.8% did not complete high school.

The total school enrollment in 95386 was 3,193 in 2020-2024. Nursery school enrollment was 116 and kindergarten through 12th grade enrollment was 2,253. College or graduate school enrollment was 824.

Educational Attainment of People in 95386 in 2020-2024

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Percent
Less than high school diploma 26.8
High school diploma or equivalency 36.9
Some college, no degree 19.6
Associate's degree 6.1
Bachelor's degree 7.2
Graduate or professional degree 3.5

Disability

In 95386, among the civilian noninstitutionalized population in 2020-2024, 11.7 % reported a disability. The likelihood of having a disability varied by age - from 1.2% of people under 18 years old, to 11.9% of people 18 to 64 years old, and to 38% of those 65 and over.


Employment Status and Type of Employer

In 95386, 55.4 % of the population 16 and over were employed; 40.4% were not currently in the labor force.

An estimated 78.5% of the people employed were private wage and salary workers; 15.5% were federal, state, or local government workers; and 5.9 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 3,617 78.5
Federal, state, or local government workers 716 15.5
Self-employed workers in own not incorporated business 273 5.9

Industries

In 2020-2024, the civilian employed population 16 years and older in 95386 worked in the following industries:

Percent by Industry in 95386 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 11.5
Construction 10.3
Manufacturing 13.6
Wholesale trade 6.5
Retail trade 11.6
Transportation and warehousing, and utilities 5.3
Information 0.9
Finance and insurance, and real estate and rental and leasing 1.7
Professional, scientific, and management, and administrative and waste management services 6.4
Educational services, and health care and social assistance 20.2
Arts, entertainment, and recreation, and accommodation, and food services 4.7
Other Services, except public administration 4.1
Public administration 3.1

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 95386 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 988 21.5
Service occupations 715 15.5
Sales and office occupations 1,039 22.6
Natural resources, construction, and maintenance occupations 837 18.2
Production, transportation, and material moving occupations 1,027 22.3

Commuting to Work

An estimated 74.4% of 95386 workers drove to work alone in 2020-2024, and 17.7% carpooled. Among those who commuted to work, it took them on average 28.3 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 95386 in 2020-2024

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Percent
Car, truck, van -- drove alone 74.4
Car, truck, van -- carpooled 17.7
Public transportation (excluding taxicab) 0.1
Walked 1.6
Other means 0.1
Worked from home 6.1

In 2020-2024, 95386 had a total of 3,273 housing units. Of these housing units, 84% 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"). 11.6% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 3.5% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 95386 in 2020-2024

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Percent
Single-family houses 84
Apartments in multi-unit structures 11.6
Mobile homes 3.5
Boat, RV, van, etc 0.9

5.2% of the housing inventory was comprised of houses built since 2010, while 4.6% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 95386 was 5.4 rooms, and of these housing units 77.7% had three or more bedrooms.


In 2020-2024, 95386 had 3,090 housing units that were occupied or had people living in them, while the remaining 183 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 57.4% while renters occupied 42.6%. The average household size of owner-occupied houses was 3.16 and in renter-occupied houses it was 3.85.

1.8% of householders of these occupied houses had moved into their house since 2021, while 10.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 3.2% and another 46.1% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 95386:

House Heating Fuel Used in 95386 in 2020-2024

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Percent
Gas 72.9
Electricity 20.6
Fuel oil, kerosene, etc 0.4
All other fuels 5
No fuel used 1.1

In 2020-2024, the median property value for owner-occupied houses in 95386 was $416,500.

Of the owner-occupied households, 63.1 % had a mortgage. 36.9% 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 $1,918 and for owners without a mortgage it was $593.

For renter-occupied houses, the median gross rent for 95386 was $1,593. 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.