ZIP Code 90404 — Santa Monica city, CA Demographics & Data

ZIP code 90404 covers Santa Monica, CA in Los Angeles County with a population of about 22,881.

At a glance, the area shows median age of 41.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 310, 424; U.S. House district CA-36; the LOS ANGELES media market.

Santa Monica, CA sits in a university / college context (near santa monica college (0.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 90404 is about $85,081 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.6%; unemployment rate near 6.8%; 58.6% of adults with a bachelor’s degree or higher (about 24.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Retail trade; about 34.2% of workers reporting work-from-home (about 19.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,159,500 — about 233% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,018 (about 74% above the U.S. median rent ($1,163)), and owner-occupancy near 22.0% (about 43.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 90404 in Santa Monica, CA, a household would need roughly $319,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $7,448. That is about 275% above the local median household income ($85,081), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Santa Monica city, CA as Very High (composite score 100.0), which is among the highest nationally. The strongest component scores on US5 are flood (100.0) and wildfire (99.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Santa Monica city, CA show little to no average snow and around 13.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,126 for ZIP 90404 (Santa Monica city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.