HousingHandbookReference data

U.S. ZIP Code · CA93465

San Luis Obispo County · San Luis Obispo-Paso Robles, CA

Typical home value

$989,502[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.6%
5-year / yr
+5.6%
10-year / yr
+6.3%

Relative price

vs U.S.
+248.3%
vs metro
+3.3%
vs state
+41.2%
ZIP 93465 location in CA
Location of ZIP 93465 in CA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 93465 is worth $989,502 — 3.3% above the San Luis Obispo-Paso Robles, CA median. Over the past year, values have risen 1.6%. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.7%[3]
Typical annual tax
$7,021[3]

#Climate risk

FEMA National Risk Index ratings for San Luis Obispo County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Relatively Low
Wildfire
Relatively High
Drought
Very High
Heat wave
Relatively Low
Hurricane
Not Applicable
Tornado
Very Low
Earthquake
Relatively Moderate
Winter weather
Very Low

#Who lives here

Population
11,039[3]
Median household income
$129,259[3]

#Migration

Household moves in and out of San Luis Obispo County over a year, from IRS tax-return data.

Net migration
-127[5]
Moved in
6,452
Moved out
6,579

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
7
Elementary
3
Middle
1
High
3
  • Templeton High

    High · Grades 9–12 · Templeton Unified

    738 students

  • Templeton Middle

    Middle · Grades 6–8 · Templeton Unified

    476 students

  • Vineyard Elementary

    Elementary · Grades 3–5 · Templeton Unified

    445 students

  • Templeton Elementary

    Elementary · Grades K–2 · Templeton Unified

    433 students

  • Templeton Independent Study High

    High · Grades 9–12 · Templeton Unified

    89 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$5,003
Loan principal$791,601
Down payment$197,900
Total interest paid$1,009,644

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$6,413
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
78th percentile[1]
Rental yield
[2]
Property tax
78th percentile[3]

Frequently asked

How much is a home worth in ZIP code 93465?
The typical home in 93465 is worth $989,502, based on the Zillow Home Value Index.
Are home values rising in 93465?
Home values in 93465 are up 1.6% over the past year, and up 5.6% a year over five years.
What is the property tax rate in 93465?
The effective property tax rate in 93465 is 0.7% — roughly $7,021 a year on a typical home.
Who lives in 93465?
ZIP code 93465 has a population of 11,039 and a median household income of $129,259.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Creston CDP, CA

    Typical home
    $976,516
    Gross yield
  • Cambria CDP, CA

    Typical home
    $1,008,754
    Gross yield
  • Morro Bay, CA

    Typical home
    $957,923
    Gross yield
    3.1%
  • Nipomo CDP, CA

    Typical home
    $941,615
    Gross yield
    4.5%
  • Arroyo Grande, CA

    Typical home
    $1,043,167
    Gross yield
    3.3%
  • San Luis Obispo, CA

    Typical home
    $1,095,474
    Gross yield
    4.4%

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