The ZIP Code 95386 is associated with the city of Waterford in California in Stanislaus County. The median household income is at $60,895, while an estimated 14% of the population in this ZIP is living below the poverty line. About 69.6% of residents in this California region have a high school degree or higher, while the per capita income is estimated at $23,115. The median age in ZIP Code 95386 is approximately 34.5 years, with 15.9% of residents aged 62 years and older. The current population estimate is 10,557.
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The median household income in ZIP Code 95386 is $60,895, while the region's mean household income is $77,787. Breaking income down further, per capita income in the region is $23,115. The per capita income in ZIP Code 95386 of $23,115 is approximately 37.45% less than the per capita income in the U.S. overall of $36,955. An estimated 14.3% of the population is living below the poverty line in this region. This rate is approximately50.53% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 20.4% of the population in 95386 earn $50,000 to $74,999 per year, while an estimated 19.2% earn $100,000 to $149,999 per year, and 1.9% of 95386 residents earn $10,000 to $14,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 2.8% |
| $10,000 to $14,999 per year | 1.9% |
| $15,000 to $24,999 per year | 9.3% |
| $25,000 to $34,999 per year | 7.5% |
| $35,000 to $49,999 per year | 15.8% |
| $50,000 to $74,999 per year | 20.4% |
| $75,000 to $99,999 per year | 12.7% |
| $100,000 to $149,999 per year | 19.2% |
| $150,000 to $199,999 per year | 6.8% |
| $200,000 or more per year | 3.4% |
In ZIP Code 95386, 69.6% of the population graduated high school, while 8.8% have a bachelor's degree or higher. In this region, 14.9% achieved an education level less than 9th grade, while 3.2% hold a graduate or professional degree. Approximately 32.5% in this Stanislaus County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 14.9% |
| 9th to 12th grade, no diploma | 15.5% |
| High school graduate (includes equivalency) | 32.5% |
| Some college, no degree | 22.6% |
| Associate's degree | 5.7% |
| Bachelor's degree | 5.7% |
| Graduate or professional degree | 3.2% |
Looking at race in the population that makes up ZIP Code 95386, 96.7% is one race, while 3.3% are two or more races. Approximately 46.3% of 95386 residents are hispanic or Latino (of any race). The most common race in 95386 (race alone or in combination with one or more other races), is White (88.5%), followed by Some other race (8.5%) .
| Industry | Percent |
|---|---|
| White | 88.5% |
| Black or African American | 1.2% |
| American Indian and Alaska Native | 1.4% |
| Asian | 3.3% |
| Native Hawaiian and Other Pacific Islander | 0.6% |
| Some other race | 8.5% |
Regarding the age of homes in ZIP Code 95386, an estimated 23.1% of homes were built between 2000 and 2009. Additionally, 22.5% of homes in the region were built between 1990 and 1999, while an estimated 0.0% of homes were built between 2010 and 2013 in this Stanislaus County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 0.2% |
| Built between 2010 and 2013 | 0.0% |
| Built between 2000 and 2009 | 23.1% |
| Built between 1990 and 1999 | 22.5% |
| Built between 1980 and 1989 | 15.0% |
| Built between 1970 and 1979 | 11.3% |
| Built between 1960 and 1969 | 8.6% |
| Built between 1950 and 1959 | 5.6% |
| Built between 1940 and 1949 | 4.9% |
| Built in 1939 or earlier | 8.7% |
Residents of ZIP Code 95386 are younger than average. The median age of 34.5 years in ZIP Code 95386 is approximately 9.45% lower than the overall median age in the U.S. of 38.1 years. About 70.2% of residents are aged 18 years and older, and 15.9% of residents are 62 years and over. Approximately 12.8% of the population in 95386 falls in the age group 25 to 34 years, while an estimated 12.6% are aged 35 to 44 years. On the low end of the scale, 1.0% of 95386 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 8.4% |
| 5 to 9 years | 7.8% |
| 10 to 14 years | 8.5% |
| 15 to 19 years | 8.3% |
| 20 to 24 years | 5.4% |
| 25 to 34 years | 12.8% |
| 35 to 44 years | 12.6% |
| 45 to 54 years | 10.3% |
| 55 to 59 years | 7.9% |
| 60 to 64 years | 6.6% |
| 65 to 74 years | 7.2% |
| 75 to 84 years | 3.2% |
| 85 years and over | 1.0% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 95386 is current access to health insurance, as an estimated 85.6% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 95386 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 85.6% |
| Risk Behavior | Percent of adults* |
|---|
In 95386, 57.0% of the population is in the labor force. Recent estimates place 7.0% as working from home, while the total labor force in the region has a mean travel to time to work of 30.8 minutes. Approximately 17.9% of the employed population 16 years and over in 95386 work in agriculture, forestry, fishing and hunting, and mining, while an estimated 15.5% work in educational services, and health care and social assistance. On the lower end of the scale, just 0.0% of 95386 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 17.9% |
| Construction | 11.0% |
| Manufacturing | 13.4% |
| Wholesale trade | 3.4% |
| Retail trade | 7.5% |
| Transportation and warehousing, and utilities | 4.6% |
| Information | 0.0% |
| Finance and insurance, and real estate and rental and leasing | 3.0% |
| Professional, scientific, management, and administrative | 9.8% |
| Educational services, and health care and social assistance | 15.5% |
| Arts, entertainment, and recreation, and accommodation and food services | 9.2% |
| Other services, except public administration | 3.3% |
| Public administration | 1.3% |
In ZIP Code 95386, 59.5% of the population lists "English only" as the language spoken in home, while 38.1% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.3% of homes, and other Indo-European languages are spoken in 1.0% of homes. Lastly, 0.0% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Stanislaus County region.
| Language Spoken | Percent |
|---|---|
| English only | 59.5% |
| Spanish | 38.1% |
| Other Indo-European languages | 1.3% |
| Asian and Pacific Islander languages | 1.0% |
| Other languages | 0.0% |
Regarding consumer complaints about financial products in ZIP Code 95386, credit reporting or credit repair services have received the most complaints in 95386 in the past 12 months. Credit card or prepaid card received the second most complaints. The most frequent complaint overall in this Stanislaus County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 7 |
| Credit card or prepaid card | 3 |
| Credit reporting or other personal consumer reports | 3 |
| Student loan | 2 |
| Checking or savings account | 1 |
| Other | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 5 |
| Improper use of your report | 3 |
| Dealing with your lender or servicer | 2 |
| Problem with a purchase shown on your statement | 2 |
| Attempts to collect debt not owed | 1 |
| Other | 4 |
Regarding solar power potential, ZIP Code 95386 has an average daily solar radiation level of 6.01 kWh/m2/day. This is approximately 45.87% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 8.8% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 95386 | 17.75¢/kWh | 14.08¢/kWh | 10.09¢/kWh |
| California | 30.22¢/kWh | 23.8¢/kWh | 19.36¢/kWh |
| United States | 15.95¢/kWh | 12.89¢/kWh | 8.32¢/kWh |
| Month | ZIP Code 95386 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.54 | 1.9 | 5.84 |
| Feb | 4.87 | 3 | 6.31 |
| Mar | 6.14 | 3.65 | 7.02 |
| Apr | 6.75 | 5.13 | 7.3 |
| May | 7.01 | 5.17 | 7.13 |
| Jun | 7.19 | 5.72 | 6.95 |
| Jul | 7.26 | 6.22 | 6.51 |
| Aug | 7.49 | 6.08 | 6.65 |
| Sep | 7.22 | 5.15 | 7.02 |
| Oct | 6.36 | 3.32 | 6.92 |
| Nov | 4.51 | 2.33 | 5.99 |
| Dec | 3.77 | 1.78 | 5.46 |