ZIP Code 94401 — San Mateo city, CA Demographics & Data

ZIP code 94401 covers San Mateo, CA in San Mateo County with a population of about 35,628.

At a glance, the area shows median age of 35.9 versus a U.S. median of about 38.9.

It sits in telephone area code 650; U.S. House district CA-15; the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 94401 is about $121,258 — about 61% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 3.6%; 45.3% of adults with a bachelor’s degree or higher (about 11.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 18.8% of workers reporting work-from-home (about 3.6 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 $1,123,300 — about 223% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,590 (about 123% above the U.S. median rent ($1,163)), and owner-occupancy near 44.4% (about 21.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94401 in San Mateo, CA, a household would need roughly $309,000 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 $7,216. That is about 155% above the local median household income ($121,258), 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 San Mateo city, CA as Relatively High (composite score 99.2), which is among the highest nationally. The strongest component scores on US5 are flood (98.4) and wildfire (92.0). 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 San Mateo city, CA show little to no average snow and around 19.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,753 for ZIP 94401 (San Mateo 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.