ZIP Code 95340 — Merced, CA

About ZIP 95340

ZIP code 95340 serves Merced in Merced, California. It centers near 37.2983°, -120.4649° and, by population, qualifies as a sizable suburban ZIP. Roughly 36,833 people are estimated to live within its boundaries based on the U.S. Census Bureau's American Community Survey 5-Year Estimates (2018–2022).

The median household earns about $64,809 per year here. The typical owner-occupied home is valued near $355,600, and asking rents on the open market sit around $1,120 per month. Compared to the rest of California, that makes 95340 somewhat more affordable than the state average. Looking at the entire state, the average ZIP code reports a median income closer to $58,212 and a median home value of $432,054.

The median resident is around 32.2 years old, and roughly 9.8% of the population holds at least a bachelor's degree. Unemployment estimates from the same Census release put the share of unemployed adults around 6.8% of the total population (the labor-force-only rate is higher, since not every resident is counted as "in the labor force").

Cost of living read

If you're considering a move into 95340, the most useful exercise is to compare the housing math against your current ZIP. Here, a typical home runs $355,600 and a typical rental runs $1,120 a month. Translate that into your own budget:

• At a 7% 30-year mortgage with 20% down, financing the median home here lands monthly principal & interest near $1,893 — before property tax, insurance, or HOA dues.
• Renting the median unit at $1,120/mo costs roughly $13,440 per year, or about 20.7% of the local median household income.
• For movers from substantially cheaper or more expensive metros, the home-value gap ($76,454 versus the state average of $432,054) is often the single biggest line item to plan for.

Who lives here

The age and education profile of a ZIP tells you a lot about what daily life feels like there. With a median age of 32.2 and a population of 36,833, ZIP 95340 reads as a working-age neighborhood with a mix of young professionals and young families. The bachelor's-degree share around 9.8% is on the lower end, often reflecting trade-economy or rural labor markets.

Geography & nearby ZIPs

This ZIP centers at 37.2983, -120.4649. The eight closest neighboring ZIP codes are listed below — useful if you're scoping out the surrounding area, comparing schools, or just want a feel for the broader neighborhood than this one boundary captures.

How to use this profile

Treat ZipLocal Guide as a starting point — never the final word — when you're researching a relocation. The Census ACS data on this page are reliable medians for the ZIP code tabulation area, but they tell you nothing about which side of the freeway you should live on, which streets the local high schoolers actually walk to school, or how the neighborhood has changed since the 2022 estimate window. For those, walk the area, talk to people on the street, and verify your assumptions with a local agent or community group.

If you find this neighborhood interesting, the easiest next step is to view all ZIPs in Merced or browse the rest of California.