95386 Zip Code (Waterford, CA) Detailed Profile

Estimated zip code population in 2022: 10,300
Zip code population in 2010: 9,877
Zip code population in 2000: 8,303

Houses and condos: 3,251
Renter-occupied apartments: 1,268
March 2022 cost of living index in zip code 95386: 99.0 (near average, U.S. average is 100)

Land area: 84.9 sq. mi.
Water area: 2.6 sq. mi.

Population density: 121 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $3,003 (0.8%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $2,821 (0.7%)

For population 25 years and over in 95386:

• High school or higher: 70.4%
• Bachelor's degree or higher: 8.7%
• Graduate or professional degree: 3.7%
• Unemployed: 4.3%
• Mean travel time to work (commute): 27.7 minutes

For population 15 years and over in 95386:

• Never married: 38.2%
• Now married: 47.3%
• Separated: 3.7%
• Widowed: 3.1%
• Divorced: 7.6%

• 
• • 5,13049.8%Hispanic or Latino
  • 4,42343.0%White
  • 3073.0%Asian
  • 1981.9%Black
  • 1241.2%Two or more races
  • 740.7%Native Hawaiian and Other
    Pacific Islander
  • 260.3%American Indian
  • 140.1%Some other race

Urban population: 8,703
Rural population: 1,596

Averages for the 2020 tax year for zip code 95386, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $57,116 (Individual Income Tax Returns)

Here:	$57,116
State:	$95,910

Salary/wage: $49,400 (reported on 87.6% of returns)

Here:	$49,400
State:	$77,331

(% of AGI for various income ranges: 1306.7% for AGIs below $25k, 4165.4% for AGIs $25k-50k, 7476.5% for AGIs $50k-75k, 10957.1% for AGIs $75k-100k, 18952.3% for AGIs $100k-200k, 85465.0% for AGIs over 200k)

Taxable interest for individuals: $629 (reported on 27.6% of returns)

This zip code:	$629
California:	$2,294

(% of AGI for various income ranges: 3.1% for AGIs below $25k, 16.5% for AGIs $25k-50k, 5.6% for AGIs $50k-75k, 41.6% for AGIs $75k-100k, 63.3% for AGIs $100k-200k, 1365.0% for AGIs over 200k)

Ordinary dividends: $6,871 (reported on 6.6% of returns)

Here:	$6,871
State:	$10,949

(% of AGI for various income ranges: 6.3% for AGIs below $25k, 13.4% for AGIs $25k-50k, 18.4% for AGIs $50k-75k, 55.5% for AGIs $75k-100k, 169.7% for AGIs $100k-200k, 5775.0% for AGIs over 200k)

Net capital gain/loss in AGI: +$20,813 (reported on 6.6% of returns)

Here:	+$20,813
State:	+$49,306

(% of AGI for various income ranges: 0.8% for AGIs below $25k, 14.9% for AGIs $25k-50k, 33.1% for AGIs $50k-75k, 56.8% for AGIs $75k-100k, 201.3% for AGIs $100k-200k, 26705.0% for AGIs over 200k)

Profit/loss from business: +$9,635 (reported on 11.6% of returns)

Here:	+$9,635
State:	+$15,671

(% of AGI for various income ranges: 85.3% for AGIs below $25k, 121.0% for AGIs $25k-50k, 73.8% for AGIs $50k-75k, 231.9% for AGIs $75k-100k, 410.0% for AGIs $100k-200k, 4035.0% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $20,912 (reported on 3.4% of returns)

95386:	$20,912
California:	$23,505

(% of AGI for various income ranges: 23.2% for AGIs below $25k, 48.0% for AGIs $25k-50k, 80.4% for AGIs $50k-75k, 166.8% for AGIs $75k-100k, 563.3% for AGIs $100k-200k)

Total itemized deductions: $31,264 (reported on 7.1% of returns)

Here:	$31,264
State:	$39,517

(% of AGI for various income ranges: 111.5% for AGIs $25k-50k, 274.2% for AGIs $50k-75k, 551.3% for AGIs $75k-100k, 1087.0% for AGIs $100k-200k, 13955.0% for AGIs over 200k)

Charity contributions: $8,424 (reported on 5.4% of returns)

Here:	$8,424
State:	$12,598

(% of AGI for various income ranges: 11.6% for AGIs $25k-50k, 42.2% for AGIs $50k-75k, 93.2% for AGIs $75k-100k, 255.0% for AGIs $100k-200k, 3555.0% for AGIs over 200k)

Taxes paid: $7,733 (reported on 7.1% of returns)

95386:	$7,733
State:	$8,807

(% of AGI for various income ranges: 23.4% for AGIs $25k-50k, 75.6% for AGIs $50k-75k, 155.2% for AGIs $75k-100k, 325.0% for AGIs $100k-200k, 2300.0% for AGIs over 200k)

Earned income credit: $2,295 (reported on 19.7% of returns)

Here:	$2,295
State:	$2,074

(% of AGI for various income ranges: 111.5% for AGIs below $25k, 97.0% for AGIs $25k-50k, 3.1% for AGIs $50k-75k)

Percentage of individuals using paid preparers for their 2020 taxes: 95.5%

Here:	96%
State:	92%

(% for various income ranges: 94.0% for AGIs below $25k, 95.4% for AGIs $25k-50k, 97.4% for AGIs $50k-75k, 95.7% for AGIs $75k-100k, 96.2% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2012 tax year for zip code 95386, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $45,223 (Individual Income Tax Returns)

Here:	$45,223
State:	$72,726

Salary/wage: $39,307 (reported on 88.3% of returns)

Here:	$39,307
State:	$59,079

(% of AGI for various income ranges: 78.7% for AGIs below $25k, 85.2% for AGIs $25k-50k, 85.3% for AGIs $50k-75k, 82.6% for AGIs $75k-100k, 77.9% for AGIs $100k-200k, 30.4% for AGIs over 200k)

Taxable interest for individuals: $651 (reported on 28.6% of returns)

This zip code:	$651
California:	$2,146

(% of AGI for various income ranges: 0.8% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.3% for AGIs $100k-200k, 1.0% for AGIs over 200k)

Ordinary dividends: $1,444 (reported on 6.5% of returns)

Here:	$1,444
State:	$9,308

(% of AGI for various income ranges: 0.3% for AGIs below $25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.3% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$8,283 (reported on 6.2% of returns)

Here:	+$8,283
State:	+$30,460

(% of AGI for various income ranges: 0.2% for AGIs $50k-75k, 2.1% for AGIs $100k-200k, 6.3% for AGIs over 200k)

Profit/loss from business: +$10,124 (reported on 11.7% of returns)

Here:	+$10,124
State:	+$17,064

(% of AGI for various income ranges: 6.5% for AGIs below $25k, 2.7% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.8% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $15,156 (reported on 4.7% of returns)

95386:	$15,156
California:	$19,557

(% of AGI for various income ranges: 1.8% for AGIs below $25k, 1.0% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 3.1% for AGIs $100k-200k)

Total itemized deductions: $21,511 (25% of AGI, reported on 26.6% of returns)

Here:	$21,511
State:	$34,004

Here:	24.6% of AGI
State:	22.7% of AGI

(% of AGI for various income ranges: 6.2% for AGIs below $25k, 8.5% for AGIs $25k-50k, 13.5% for AGIs $50k-75k, 16.5% for AGIs $75k-100k, 17.5% for AGIs $100k-200k, 11.9% for AGIs over 200k)

Charity contributions: $3,620 (reported on 20.6% of returns)

Here:	$3,620
State:	$4,659

(% of AGI for various income ranges: 0.3% for AGIs below $25k, 0.7% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 2.9% for AGIs $100k-200k, 2.4% for AGIs over 200k)

Taxes paid: $6,400 (reported on 26.6% of returns)

95386:	$6,400
State:	$14,448

(% of AGI for various income ranges: 1.3% for AGIs below $25k, 1.9% for AGIs $25k-50k, 3.1% for AGIs $50k-75k, 4.3% for AGIs $75k-100k, 6.1% for AGIs $100k-200k, 6.2% for AGIs over 200k)

Earned income credit: $2,401 (reported on 26.6% of returns)

Here:	$2,401
State:	$2,286

(% of AGI for various income ranges: 8.3% for AGIs below $25k, 1.9% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 65.9%

Here:	66%
State:	64%

(% for various income ranges: 62.0% for AGIs below $25k, 68.8% for AGIs $25k-50k, 68.5% for AGIs $50k-75k, 65.5% for AGIs $75k-100k, 66.7% for AGIs $100k-200k, 100.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 95386, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $37,249 (Individual Income Tax Returns)

Here:	$37,249
State:	$58,600

Salary/wage: $34,520 (reported on 89.5% of returns)

Here:	$34,520
State:	$49,455

(% of AGI for various income ranges: 184.1% for AGIs below $10k, 81.1% for AGIs $10k-25k, 87.6% for AGIs $25k-50k, 86.9% for AGIs $50k-75k, 84.6% for AGIs $75k-100k, 61.7% for AGIs over 100k)

Taxable interest for individuals: $1,037 (reported on 36.9% of returns)

This zip code:	$1,037
California:	$2,365

(% of AGI for various income ranges: 6.3% for AGIs below $10k, 1.3% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 1.7% for AGIs over 100k)

Taxable dividends: $2,370 (reported on 9.3% of returns)

Here:	$2,370
State:	$4,746

(% of AGI for various income ranges: 3.2% for AGIs below $10k, 0.6% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.7% for AGIs over 100k)

Net capital gain/loss: +$8,121 (reported on 8.2% of returns)

Here:	+$8,121
State:	+$23,418

(% of AGI for various income ranges: -1.7% for AGIs below $10k, 0.5% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 7.4% for AGIs over 100k)

Profit/loss from business: +$12,169 (reported on 11.4% of returns)

Here:	+$12,169
State:	+$16,826

(% of AGI for various income ranges: 8.7% for AGIs below $10k, 3.1% for AGIs $10k-25k, 3.9% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 2.6% for AGIs $75k-100k, 6.5% for AGIs over 100k)

IRA payment deduction: $2,879 (reported on 1.7% of returns)

95386:	$2,879
California:	$3,192

Self-employed pension: $5,857 (reported on 0.6% of returns)

Here:	$5,857
California:	$17,688

Total itemized deductions: $18,513 (29% of AGI, reported on 34.9% of returns)

Here:	$18,513
State:	$28,113

Here:	29.2% of AGI
State:	25.3% of AGI

(% of AGI for various income ranges: 19.0% for AGIs below $10k, 9.4% for AGIs $10k-25k, 16.6% for AGIs $25k-50k, 19.7% for AGIs $50k-75k, 20.8% for AGIs $75k-100k, 17.7% for AGIs over 100k)

Charity contributions deductions: $2,490 (4% of AGI, reported on 30.1% of returns)

Here:	$2,490
State:	$3,923

Here:	3.8% of AGI
State:	3.3% of AGI

(% of AGI for various income ranges: 1.8% for AGIs below $10k, 0.9% for AGIs $10k-25k, 1.3% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 3.3% for AGIs over 100k)

Total tax: $4,366 (reported on 65.0% of returns)

95386:	$4,366
State:	$10,761

(% of AGI for various income ranges: 4.9% for AGIs below $10k, 3.0% for AGIs $10k-25k, 4.7% for AGIs $25k-50k, 7.1% for AGIs $50k-75k, 8.9% for AGIs $75k-100k, 15.8% for AGIs over 100k)

Earned income credit: $1,868 (reported on 22.7% of returns)

Here:	$1,868
State:	$1,763

Percentage of individuals using paid preparers for their 2004 taxes: 70.5%

Here:	71%
State:	66%

(% for various income ranges: 61.0% for AGIs below $10k, 70.3% for AGIs $10k-25k, 72.6% for AGIs $25k-50k, 74.0% for AGIs $50k-75k, 73.5% for AGIs $75k-100k, 78.9% for AGIs over 100k)

Nearest zip codes: 95323, 95316, 95361, 95303, 95329, 95369.
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

• Lesbian couples: 0.0% of all households
• Gay men: 0.3% of all households

Household received Food Stamps/SNAP in the past 12 months: 657
Household did not receive Food Stamps/SNAP in the past 12 months: 2,393

Women who had a birth in the past 12 months: 86 (57 now married, 29 unmarried)
Women who did not have a birth in the past 12 months: 2,239 (1,017 now married, 1,216 unmarried)

Housing units in zip code 95386 with a mortgage: 1,108 (97 second mortgage, 75 both second mortgage and home equity loan)
Median monthly owner costs for units with a mortgage: $1,752
Median monthly owner costs for units without a mortgage: $651

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 95386 household income distribution in 2022

• 94Less than $10,000
• 58$10,000 to $14,999
• 34$15,000 to $19,999
• 165$20,000 to $24,999
• 133$25,000 to $29,999
• 59$30,000 to $34,999
• 132$35,000 to $39,999
• 272$40,000 to $44,999
• 95$45,000 to $49,999
• 332$50,000 to $59,999
• 353$60,000 to $74,999
• 276$75,000 to $99,999
• 430$100,000 to $124,999
• 200$125,000 to $149,999
• 136$150,000 to $199,999
• 211$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 95386

• 22Less than $10,000
• 20$15,000 to $19,999
• 6$25,000 to $29,999
• 4$30,000 to $34,999
• 3$100,000 to $124,999
• 20$175,000 to $199,999
• 37$200,000 to $249,999
• 199$250,000 to $299,999
• 497$300,000 to $399,999
• 300$400,000 to $499,999
• 163$500,000 to $749,999
• 12$750,000 to $999,999
• 115$1,000,000 to $1,499,999
• 33$1,500,000 to $1,999,999
• 31$2,000,000 or more

• Rent paid by renters in 2022 in zip code 95386

• 38Less than $100
• 18$250 to $299
• 27$450 to $499
• 18$600 to $649
• 2$650 to $699
• 68$700 to $749
• 2$750 to $799
• 209$800 to $899
• 129$900 to $999
• 290$1,000 to $1,249
• 108$1,250 to $1,499
• 122$1,500 to $1,999
• 31$2,000 to $2,499
• 36$2,500 to $2,999
• 151No cash rent

Median gross rent in 2022: $1,406.

Median price asked for vacant for-sale houses and condos in 2022: $420,131.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $395,273
• Black or African American householders: $325,453
• American Indian or Alaska Native householders: $320,948
• Asian householders: $609,990
• Some other race householders: $360,739
• Two or more races householders: $443,697
• Hispanic or Latino householders: $365,994

Estimated median house or condo value in 2022: $401,655 Lower value quartile - upper value quartile: $329,927 - $515,222

Mean price in 2022:

Detached houses: $501,172

Here:	$501,172
State:	$988,808

Townhouses or other attached units: $423,387

Here:	$423,387
State:	$838,546

In 2-unit structures: $91,032

Here:	$91,032
State:	$1,138,100

In 3-to-4-unit structures: $165,949

Here:	$165,949
State:	$824,253

In 5-or-more-unit structures: $719,445

Here:	$719,445
State:	$730,996

Mobile homes: $103,718

Here:	$103,718
State:	$184,506

Occupied boats, RVs, vans, etc.: $55,869

Here:	$55,869
State:	$204,957

Housing units in structures:

• One, detached: 2,515
• One, attached: 24
• Two: 134
• 3 or 4: 158
• 5 to 9: 106
• 20 to 49: 12
• 50 or more: 164
• Mobile homes: 104
• Boats, RVs, vans, etc.: 34

Unemployment: 4.3%

• Means of transportation to work in zip code 95386

• 72.7%2,984Drove a car alone
• 17.9%734Carpooled
• 0.1%3Bus or trolley bus
• 0.0%2Motorcycle
• 1.3%53Walked
• 6.4%264Worked at home

• Travel time to work (commute) in zip code 95386

• 146Less than 5 minutes
• 3495 to 9 minutes
• 34810 to 14 minutes
• 48515 to 19 minutes
• 63320 to 24 minutes
• 34625 to 29 minutes
• 72530 to 34 minutes
• 2235 to 39 minutes
• 5740 to 44 minutes
• 23145 to 59 minutes
• 17460 to 89 minutes
• 21190 or more minutes

Percentage of zip code residents living and working in this county: 83.2%

Household type by relationship:

Households: 10,300

• Male householders: 1,575 (348 living alone), Female householders: 1,417 (210 living alone)

• 1,594 spouses (1,594 opposite-sex spouses), 139 unmarried partners, (130 opposite-sex unmarried partners), 3,957 children (3,781 natural, 90 adopted, 87 stepchildren), 444 grandchildren, 261 brothers or sisters, 78 parents, 0 foster children, 518 other relatives, 270 non-relatives

Size of family households: 579 2-persons, 343 3-persons, 619 4-persons, 486 5-persons, 104 6-persons, 175 7-or-more-persons

Size of nonfamily households: 555 1-person, 93 2-persons, 9 3-persons

1,539 married couples with children.
752 single-parent households (291 men, 461 women).

55.4% of residents of 95386 zip code speak English at home.
39.4% of residents speak Spanish at home (64% very well, 10% well, 16% not well, 10% not at all).
3.4% of residents speak other Indo-European language at home (61% very well, 32% well, 5% not well, 2% not at all).
1.1% of residents speak Asian or Pacific Island language at home (89% very well, 11% well).

Facilities with environmental interests located in this zip code:

• MOON (RICHARD M.) ELEMENTARY (319 N. REINWAY AVE. in WATERFORD, CA)

  (National Center for Education Statistics) - STATE ID-6085021
  Organizations: WATERFORD UNIFIED (SCHOOL DISTRICT)
  

• 7-11 MATERIALS INC (19412 YOSEMITE BLVD in WATERFORD, CA)

  AIR SYNTHETIC MINOR (AIRS/AFS)
  CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
  Business SIC classification: CONSTRUCTION SAND AND GRAVEL
  

• MICHEL RANCH (744 MCEWEN RD in WATERFORD, CA)

  National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
  Business SIC classification: DAIRY FARMS
  Alternative names: MICHEL, RICHARD A

• FOOD & FUEL MART (12237 BENTLEY in WATERFORD, CA)

  CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
  Business SIC classification: GASOLINE SERVICE STATIONS
  

• M J RUDDY & SONS INC (HIGHWAY 132 in WATERFORD, CA)

  CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
  Business SIC classification: ASPHALT PAVING MIXTURES AND BLOCKS
  

Housing units lacking complete plumbing facilities: 1.1%
Housing units lacking complete kitchen facilities: 3.8%

Population in 1990: 6,505. Population change in the 1990s: +1,798 (+27.6%).

Place of birth for U.S.-born residents:

• This state: 7,484
• Northeast: 68
• Midwest: 173
• South: 422
• West: 233

59% of the 95386 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 69% lived in this county.
   Out of people who lived in different counties, 50% lived in California.

89% of the 95386 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 65% moved from this county.
   Out of people who lived in different houses, 26% moved from different county within same state.
   Out of people who lived in different houses, 8% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 39
Students in private schools in grades 9 to 12 (high school): 43 Students in private undergraduate colleges: 57

Top industries in this zip code by the number of employees in 2005:

• Accommodation and Food Services: Limited-Service Restaurants (20-49 employees: 2 establishments, 10-19 employees: 1 establishment, 5-9 employees: 1 establishment, 1-4 employees: 1 establishment)
• Other Services (except Public Administration): Religious Organizations (10-19: 1, 5-9: 3, 1-4: 3)
• Construction: All Other Specialty Trade Contractors (10-19: 2, 5-9: 1)
• Construction: Siding Contractors (20-49: 1)
• Wholesale Trade: Confectionery Merchant Wholesalers (20-49: 1)
• Educational Services: Elementary and Secondary Schools (20-49: 1)
• Construction: Poured Concrete Foundation and Structure Contractors (10-19: 1, 5-9: 1)
• Construction: Site Preparation Contractors (10-19: 1, 5-9: 1)

Detailed HMDA statistics for the following Tracts: 0028.01 , 0028.02


Detailed PMIC statistics for the following Tracts: 0028.01 , 0028.02

2005 - 2018 National Fire Incident Reporting System (NFIRS) incidents

According to the data from the years 2005 - 2018 the average number of fire incidents per year is 30. The highest number of reported fires - 67 took place in 2017, and the least - 0 in 2010. The data has a constant trend.
When looking into fire subcategories, the most incidents belonged to: Outside Fires (59.5%), and Structure Fires (24.8%).


• Fire incident types reported to NFIRS in Zip Code 95386
• 25459.5%Outside Fires
• 10624.8%Structure Fires
• 5412.6%Mobile Property/Vehicle Fires
• 133.0%Other

See full 2006 National Fire Incident Reporting System statistics for zip code 95386, California

Most common first names in zip code 95386 among deceased individuals
Name	Count	Lived (average)
Mary	34	81.1 years
James	31	66.4 years
William	29	76.7 years
John	28	74.4 years
George	21	72.7 years
Robert	21	69.1 years
Edward	18	72.3 years
Helen	15	76.9 years
Dorothy	14	82.0 years
Charles	14	77.7 years

Most common last names in zip code 95386 among deceased individuals
Last name	Count	Lived (average)
Miller	15	77.5 years
Johnson	14	75.4 years
Jones	11	66.8 years
Davis	10	72.9 years
Smith	10	78.1 years
Rash	9	71.7 years
German	9	66.9 years
Price	8	77.9 years
Nelson	7	81.3 years
Martin	7	74.6 years

Businesses in zip code 95386
Name	Count		Name	Count
Ace Hardware	1		Little Caesars Pizza	1
Cricket Wireless	1		Subway	1
Curves	1		Taco Bell	1