ZIP code 95386: Waterford, CA
95386 is a ZIP code in Waterford, California, mainly in Stanislaus County, part of the Modesto, CA metro area. About 10,666 people live here.
- Population
- 10,666
- Median household income
- $73,196
- Typical home value
- $426,600+0.6% in 12 months
- Median rent
- $1,593gross, per month
- Median age
- 33.5
- Homeowners
- 57.4%of occupied homes
Shaded: ZIP code 95386's area. Click anywhere on the map to see which ZIP code it's in.
ZIP codes within 10 milesWithin 25 miles
ZIP code 95386 details
| City | Waterford |
|---|---|
| State | California |
| County | Stanislaus County |
| Metro area | Modesto, CA |
| Time zone | Pacific Time (UTC−8), observes daylight saving time |
| Type | Standard (delivery area) |
| Land area | 94.7 sq mi, plus 3.7 sq mi of water |
| Population density | 113 people per sq mi |
| Bachelor's degree or higher | 10.7% of adults 25+ |
| Average commute | 28.3 minutes |
| Center coordinates | 37.66729, -120.62209 |
Median rent in 95386 by bedrooms
| Size | Median gross rent |
|---|---|
| 2 bedrooms | $1,256/mo |
| 3 bedrooms | $1,744/mo |
| 4 bedrooms | $1,218/mo |
| 5+ bedrooms | $1,964/mo |
Gross rent includes utilities paid by the tenant. ACS 2020–2024; sizes with too few rentals to estimate are left out.
ZIP codes near 95386
| ZIP code | City | Distance | Population |
|---|---|---|---|
| 95323 | Hickman, CA | 5.5 mi | 1,644 |
| 95316 | Denair, CA | 9.2 mi | 8,022 |
| 95329 | La Grange, CA | 11.2 mi | 2,954 |
| 95361 | Oakdale, CA | 12.4 mi | 34,810 |
| 95326 | Hughson, CA | 13.9 mi | 10,593 |
| 95303 | Ballico, CA | 13.9 mi | 784 |
| 95357 | Modesto, CA | 14.5 mi | 13,599 |
| 95327 | Jamestown, CA | 14.5 mi | 8,752 |
Population and median household income: ACS 2020–2024 5-year estimates. Typical home value: Zillow Home Value Index (September 2026) where available, otherwise the ACS median owner-reported value. "PO Box" marks ZIP codes with no delivery area of their own. Methodology
Buying a home in 95386?
A typical home in ZIP code 95386 is worth about $426,600 (Zillow Home Value Index). The median household here earns $73,196 a year. See what buying here would cost per month, with California average taxes and insurance filled in.
Monthly payment for a $426,600 homeWhat can a $73,196 income afford?Rental property numbers
About ZIP code 95386
What city is ZIP code 95386?
ZIP code 95386 is in Waterford, CA, in Stanislaus County.
What county is ZIP code 95386 in?
95386 is mainly in Stanislaus County, California.
What is the population of ZIP code 95386?
About 10,666 people live in ZIP code 95386, according to the American Community Survey 2020–2024 5-year estimates.
What time zone is ZIP code 95386 in?
95386 is in Pacific Time (UTC−8). It observes daylight saving time.