ZIP Code 93430 — Cayucos CDP, CA Demographics & Data

ZIP code 93430 covers Cayucos, CA in San Luis Obispo County with a population of about 3,257.

At a glance, the area shows median age of 60.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 805, 820; U.S. House district CA-19; the SANTABARBRA - SANMAR - SANLUOB media market.

Cayucos, CA fits a retirement-oriented profile (high share of residents 65+ (36.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 93430 is about $86,354 — about 15% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.2%; unemployment rate near 1.6%; 43.4% of adults with a bachelor’s degree or higher (about 9.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Manufacturing; about 21.2% of workers reporting work-from-home (about 6.0 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 $965,100 — about 177% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,379 (about 19% above the U.S. median rent ($1,163)), and owner-occupancy near 59.9% (about 5.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93430 in Cayucos, CA, a household would need roughly $266,000 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 $6,200. That is about 208% above the local median household income ($86,354), 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 Cayucos CDP, CA as Relatively High (composite score 95.9), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.3) and flood (96.7). 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 Cayucos CDP, CA show little to no average snow and around 17.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 160 for ZIP 93430 (Cayucos CDP, 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.