95386 Zip Code Detailed Profile




Estimated zip code population in 2013: 9,794
Zip code population in 2010: 9,877
Zip code population in 2000: 8,303

Houses and condos: 3,013
Renter-occupied apartments: 913
% of renters here:

32%
State:

46%
Mar. 2013 cost of living index in zip code 95386: 93.3 (less than average, U.S. average is 100)

Land area: 84.9 sq. mi.
Water area: 2.6 sq. mi.
Population density: 115 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 95386
Zip code 95386 (Waterford, California) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 95386

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Real estate property taxes paid for housing units in 2013:
This zip code:

1.2% ($1,771)
California:

0.8% ($3,015)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,853 (1.3%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,000 (0.8%)

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Males: 5,148  (52.6%)
Females: 4,646  (47.4%)

For population 25 years and over in 95386:

For population 15 years and over in 95386:

Zip code 95386 compared to state average:

  • Median house value significantly below state average.
  • Unemployed percentage above state average.
  • Black race population percentage significantly below state average.
  • Foreign-born population percentage below state average.
  • Length of stay since moving in below state average.
  • House age below state average.
  • Percentage of population with a bachelor's degree or higher significantly below state average.
  • Races in zip code 95386

  • Zip code 95386 races chart
    • 5,425White population
    • 73Black population
    • 67American Indian population
    • 134Asian population
    • 10Native Hawaiian and Other Pacific Islander population
    • 8Some other race population
    • 213Two or more races population
    • 3,947Hispanic or Latino population

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Urban population: 8,275
Rural population: 1,518

Estimated median house/condo value in 2013: $145,900
95386:

$145,900
California:

$373,100
Median resident age:
This zip code:

33.7 years
California median age:

35.7 years
Average household size:
This zip code:

3.4 people
California:

3.0 people

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 6.3% 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)

Estimated median household income in 2013:
This zip code:

$52,560
California:

$60,190
Waterford, CA (95386) map Nearest zip codes: 95323, 95316, 95361, 95303, 95329, 95369.
Percentage of family households:
This zip code:

66.1%
California:

51.8%
Percentage of households with unmarried partners:
This zip code:

4.8%
California:

7.0%
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 426
Household did not receive Food Stamps/SNAP in the past 12 months: 2,440


Women who had a birth in the past 12 months: 78 (48 now married, 30 unmarried)
Women who did not have a birth in the past 12 months: 2,312 (1,202 now married, 1,110 unmarried)


Housing units in zip code 95386 with a mortgage: 1,544 (163 second mortgage, 154 home equity loan)
Houses without a mortgage: 409

Median monthly owner costs for units with a mortgage: $1,548
Median monthly owner costs for units without a mortgage: S435

Residents with income below the poverty level in 2013:
This zip code:

21.6%
Whole state:

16.8%
Residents with income below 50% of the poverty level in 2013:
This zip code:

14.4%
Whole state:

9.5%
Median number of rooms in houses and condos:
Here:

5.8
State:

6.0
Median number of rooms in apartments:
Here:

5.0
State:

4.0
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 95386: Frazier Nut Farms (A), Sunset Farms (B), Heritage Nut Farm (C), J and B Farms (D), Foster Poultry Farms (E), Michel Ranch (F), Waterford Branch Stanislaus County Free Library (G), Stanislaus Consolidated Fire Protection District Station 34 (H). Display/hide their locations on the map

    Cemetery: Roberts Ferry Cemetery (1). Display/hide its location on the map

    Reservoirs: Rushing Lake (A), Modesto Reservoir (B). Display/hide their locations on the map

    Streams, rivers, and creeks: Lower Dominici Creek (A), Upper Dominici Creek (B), Ketcham Slough (C), Dan Casey Slough (D), Cashman Creek (E). Display/hide their locations on the map

    Park in zip code 95386: Big Bear Park (1). Display/hide its location on the map

Year house built

  • 02010 or later
  • 7812000 to 2009
  • 6341990 to 1999
  • 4391980 to 1989
  • 4191970 to 1979
  • 2331960 to 1969
  • 1761950 to 1959
  • 1571940 to 1949
  • 1741939 or earlier

Zip code 95386 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Waterford, CA (95386)

  • 0no bedroom
  • 221 bedroom
  • 3032 bedrooms
  • 1,1743 bedrooms
  • 3274 bedrooms
  • 1275+ bedrooms

Bedrooms in renter-occupied apartments in Waterford, CA (95386)

  • 0no bedroom
  • 241 bedroom
  • 3832 bedrooms
  • 4343 bedrooms
  • 724 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Waterford, CA (95386) in owner-occupied houses/condos

  • 23no vehicle
  • 4811 vehicle
  • 7532 vehicles
  • 5423 vehicles
  • 1074 vehicles
  • 475+ vehicles

Cars and other vehicles available in Waterford, CA (95386) in renter-occupied apartments

  • 150no vehicle
  • 3141 vehicle
  • 2572 vehicles
  • 1623 vehicles
  • 264 vehicles
  • 45+ vehicles

Median gross rent in 2013: $974.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $145,900
95386:

$145,900
California:

$373,100
Lower value quartile - upper value quartile: $108,600 - $227,100

Mean price in 2013:

Detached houses: $230,644
Here:

$230,644
State:

$516,149

Townhouses or other attached units: $137,337
Here:

$137,337
State:

$433,209

In 2-unit structures: $112,928
Here:

$112,928
State:

$591,113

In 3-to-4-unit structures: $80,645
Here:

$80,645
State:

$414,303

In 5-or-more-unit structures: $115,199
Here:

$115,199
State:

$419,085

Mobile homes: $85,282
Here:

$85,282
State:

$79,966

Occupied boats, RVs, vans, etc.: $18,978
Here:

$18,978
State:

$74,300

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 19.3%

Percentage of zip code residents living and working in this county: 85.1%

Household type by relationship:

Households: 9,781

Size of family households: 460 2-persons, 493 3-persons, 594 4-persons, 430 5-persons, 142 6-persons, 89 7-or-more-persons

Size of nonfamily households: 456 1-person, 163 2-persons, 10 3-persons, 29 4-persons

2,189 married couples with children.
709 single-parent households (89 men, 620 women).

68.4% of residents of 95386 zip code speak English at home.
30.1% of residents speak Spanish at home (51% very well, 12% well, 20% not well, 17% not at all).
1.1% of residents speak Asian or Pacific Island language at home (44% very well, 56% not at all).
0.4% of residents speak other language at home (100% very well).

Foreign born population: 1,707 (17.4%)
(21.8% of them are naturalized citizens)
This zip code:

17.4%
Whole state:

26.9%

Most common places of birth for the foreign-born residents

  • 89%Mexico
  • 3%China, excluding Hong Kong and Taiwan
  • 2%Portugal
  • 1%El Salvador
  • 1%Laos
  • 1%Colombia
  • 1%Ethiopia

Most common first ancestries reported in 95386 (%)

  • 53%Other groups
  • 6%American
  • 5%Irish
  • 5%German
  • 4%English
  • 4%Portuguese
  • 4%Italian

Year of entry for the foreign-born population

  • 1032010 or later
  • 4092000 to 2009
  • 3761990 to 1999
  • 895Before 1990

Zip code 95386 topographic map

Facilities with environmental interests located in this zip code:


Zip code 95386 marital status for males
Zip code 95386 marital status for females

Housing units lacking complete kitchen facilities: 1.9%

Most commonly used house heating fuel

  • 60%Utility gas
  • 30%Electricity
  • 5%Bottled, tank, or LP gas
  • 3%Wood
  • 2%No fuel used
  • 1%Other fuel

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

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


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.

85% of the 95386 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 83% moved from this county.
   Out of people who lived in different houses, 15% moved from different county within same state.
   Out of people who lived in different houses, 2% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 14
Here:

1.0%
California:

8.6%
Students in private schools in grades 9 to 12 (high school): 14
Here:

1.6%
California:

7.7%
Students in private undergraduate colleges: 126
Here:

19.4%
California:

16.0%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 50,588Education, training, and library occupations
  • 49,667Fire fighting and prevention, and other protective service workers including supervisors
  • 44,688Management occupations
  • 44,427Business and financial operations occupations
  • 41,890Health diagnosing and treating practitioners and other technical occupations
  • 41,779Production occupations

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


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 23 people in other noninstitutional facilities

People in group quarters in 2000:

  • 17 people in other noninstitutional group quarters
  • 6 people in other group homes
  • 2 people in other nonhousehold living situations

Fatal accident statistics in 2011:

  • Fatal accident count: 3
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 3
  • Persons involved in fatal accidents: 5
  • Pedestrians involved in fatal accidents: 2

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 4 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED110$141,95831$158,76076$189,8851$123,74018$134,4130$0
APPLICATIONS APPROVED, NOT ACCEPTED5$125,1882$93,6305$152,0000$01$92,2700$0
APPLICATIONS DENIED15$141,9019$140,35652$212,9222$23,4059$159,3392$116,015
APPLICATIONS WITHDRAWN16$148,2046$89,16229$219,9670$04$130,1750$0
FILES CLOSED FOR INCOMPLETENESS2$133,9803$220,04012$230,9110$02$240,3300$0
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed HMDA statistics for the following Tracts: 0028.01 , 0028.02

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED4$171,6581$316,680
APPLICATIONS APPROVED, NOT ACCEPTED3$139,5931$346,270
APPLICATIONS DENIED1$176,1000$0
APPLICATIONS WITHDRAWN0$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$0
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed PMIC statistics for the following Tracts: 0028.01 , 0028.02

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 95386 among deceased individuals
NameCountLived (average)
Mary3481.1 years
James3166.4 years
William2976.7 years
John2874.4 years
George2172.7 years
Robert2169.1 years
Edward1872.3 years
Helen1576.9 years
Dorothy1482.0 years
Charles1477.7 years
Most common last names in zip code 95386 among deceased individuals
Last nameCountLived (average)
Miller1577.5 years
Johnson1475.4 years
Jones1166.8 years
Davis1072.9 years
Smith1078.1 years
Rash971.7 years
German966.9 years
Price877.9 years
Nelson781.3 years
Martin774.6 years
Businesses in zip code 95386
NameCountNameCount
Ace Hardware1Little Caesars Pizza1
Cricket Wireless1Subway1
Curves1Taco Bell1

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