Census tract · San Luis Obispo County
Census Tract 106.03, San Luis Obispo County, California
Census Tract 106.03, GEOID 06079010603, in San Luis Obispo County, California, mostly within Morro Bay (92% of its census blocks). 1,446 residents in the ACS 2020-2024 5-year estimates (±281); the 2020 Census counted 1,407.
Residents, 2020-2024
1,446
±281 (90% margin)
2020 Census count: 1,407
Median household income
$88,534
±$19,270 (90% margin)
San Luis Obispo County: $97,446
Median home value
$900,500
±$124,143 (90% margin)
San Luis Obispo County: $824,700
Median gross rent
$1,772
±$164 (90% margin)
San Luis Obispo County: $1,992
Where is Census Tract 106.03?
Census Tract 106.03 is one of 70 census tracts in San Luis Obispo County, California. It covers 4.15 square miles of land, 339 residents per square mile in 2020. Its GEOID, 06079010603, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Morro Bay | 92% |
5 census tracts border Census Tract 106.03: Tract 105.05 ($96,020), Tract 105.06 ($142,500), Tract 106.02 ($86,597), Tract 107.07 ($121,028) and Tract 130 ($82,423). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 106.03?
The 2020-2024 American Community Survey puts Census Tract 106.03's population at 1,446 (±281) in 641 households; the 2020 Census counted 1,407 residents and 784 housing units.
| Measure | Tract 106.03 | Morro Bay |
|---|---|---|
| Total population | 1,446 ±281 | 10,692 |
| Households | 641 ±102 | 5,110 |
| Average household size | 2.07 ±0.32 | 2.06 |
| Housing units | 802 ±95 | 6,531 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 106.03?
The median resident of Census Tract 106.03 is 49.6 years old; 8.9% are under 18 and 32.6% are 65 or older. The largest group is non-Hispanic white residents at 75.4%, then Hispanic or Latino residents (of any race) at 16.7%. 6.2% of residents were born outside the United States.
| Measure | Tract 106.03 | Morro Bay |
|---|---|---|
| Median age | 49.6 ±2.2 | 54.3 |
| Under 18 years | 8.9% ±3.8 pts | 12.0% |
| 65 years and over | 32.6% ±6.7 pts | 32.6% |
| Hispanic or Latino (any race) | 16.7% ±8.8 pts | 13.5% |
| White alone, not Hispanic | 75.4% ±8.9 pts | 77.7% |
| Black or African American alone, not Hispanic | 0.5% ±0.9 pts | 0.4% |
| Asian alone, not Hispanic | 1.7% ±1.9 pts | 2.8% |
| American Indian and Alaska Native alone, not Hispanic | 1.1% ±1.7 pts | 0.5% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.9 pts | 0.0% |
| Two or more races, not Hispanic | 4.6% ±3.6 pts | 3.2% |
| Some other race alone, not Hispanic | 0.0% ±2.9 pts | 2.0% |
| Born outside the United States | 6.2% ±3.9 pts | 6.1% |
| Speak a language other than English at home (age 5+) | 5.6% ±4.1 pts | 9.7% |
| Civilian veterans (age 18+) | 8.3% ±3.5 pts | 10.6% |
| With a disability | 18.0% ±5.1 pts | 16.0% |
| No health insurance coverage | 1.4% ±1.7 pts | 2.3% |
| High school graduate or higher (age 25+) | 97.1% ±2.0 pts | 96.4% |
| Bachelor's degree or higher (age 25+) | 33.3% ±9.8 pts | 48.5% |
| Graduate or professional degree (age 25+) | 12.4% ±5.0 pts | 23.1% |
| Lived in the same house a year earlier | 86.4% ±6.2 pts | 88.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 106.03 earn?
Half of the 641 households in Census Tract 106.03 earn less than $88,534 a year (±$19,270), against $97,446 across San Luis Obispo County: 44th highest of the county's 67 tracts with a reliable estimate.
| Measure | Tract 106.03 | Morro Bay |
|---|---|---|
| Median household income | $88,534 ±$19,270 | $95,843 |
| Mean household income | $119,438 ±$22,758 | $134,909 |
| Per capita income | $55,718 ±$12,039 | $64,740 |
| People below the poverty line | 4.6% ±3.6 pts | 8.4% |
| Children under 18 below the poverty line | 0.0% ±27.6 pts | 13.1% |
| Households receiving SNAP | 9.0% ±7.5 pts | 6.9% |
| Households with a computer | 98.4% ±1.7 pts | 98.3% |
| Households with a broadband subscription | 93.4% ±5.2 pts | 94.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 106.03?
Owners occupy 53.7% of Census Tract 106.03's occupied homes and renters 46.3%. The median owner-occupied home is valued at $900,500 by its owner (±$124,143). The median renter pays $1,772 a month including utilities, and 37.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 106.03 | Morro Bay |
|---|---|---|
| Median home value (owner-occupied) | $900,500 ±$124,143 | $918,200 |
| Median gross rent | $1,772 ±$164 | $1,858 |
| Renters paying 35% or more of income on rent | 37.3% ±18.6 pts | 37.9% |
| Median monthly owner costs, with a mortgage | $3,147 ±$227 | $3,015 |
| Owner-occupied homes | 53.7% ±9.5 pts | 65.4% |
| Renter-occupied homes | 46.3% ±9.5 pts | 34.6% |
| Housing units | 802 ±95 | 6,531 |
| Single-family detached homes | 51.0% ±8.3 pts | 72.3% |
| Mobile homes | 16.5% ±5.7 pts | 7.7% |
| Built 2020 or later | 3.5% ±2.9 pts | 1.5% |
| Built 2010 to 2019 | 14.7% ±6.5 pts | 10.9% |
| Built 1939 or earlier | 4.1% ±2.4 pts | 3.1% |
| Households with no vehicle | 6.1% ±6.7 pts | 2.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 106.03 get to work?
77.6% of Census Tract 106.03's workers drive alone and 14.5% work from home. The average trip to work takes 18.1 minutes.
| Measure | Tract 106.03 | Morro Bay |
|---|---|---|
| In the labor force (age 16+) | 49.9% ±8.0 pts | 54.1% |
| Unemployment rate | 2.1% ±1.8 pts | 8.0% |
| Drove alone to work | 77.6% ±10.3 pts | 68.8% |
| Carpooled | 6.2% ±6.3 pts | 6.9% |
| Public transportation | 0.0% ±6.2 pts | 0.4% |
| Walked | 1.7% ±2.5 pts | 1.3% |
| Worked from home | 14.5% ±5.9 pts | 21.7% |
| Mean travel time to work | 18.1 min ±3.5 | 19.7 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 106.03 compare with the other tracts in San Luis Obispo County?
Among San Luis Obispo County's tracts with a reliable estimate, Census Tract 106.03 ranks as shown below (1 = highest).
| Measure | In San Luis Obispo County | In Morro Bay |
|---|---|---|
| Population | 68th of 69 | 4th of 4 |
| Residents per square mile | 53rd of 69 | 4th of 4 |
| Median household income | 44th of 67 | 3rd of 4 |
| Per capita income | 27th of 68 | 3rd of 4 |
| Median home value | 26th of 66 | 3rd of 4 |
| Median gross rent | 46th of 62 | 3rd of 4 |
| Bachelor's degree or higher | 42nd of 66 | 4th of 4 |
| Median age | 22nd of 69 | 4th of 4 |
| Owner-occupied share | 49th of 66 | 4th of 4 |
The tracts next to it on San Luis Obispo County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 107.03 | 41st | $91,250±$14,490 · within the margin of this tract |
| Tract 115.01 | 42nd | $90,673±$19,382 · within the margin of this tract |
| Tract 104.04 | 43rd | $89,299±$8,226 · within the margin of this tract |
| Tract 106.03 | 44th | $88,534±$19,270 |
| Tract 105.04 | 45th | $87,235±$16,412 · within the margin of this tract |
| Tract 106.02 | 46th | $86,597±$6,155 · within the margin of this tract |
| Tract 125.05 | 47th | $85,735±$15,979 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 106.03?
3 of the 18 figures for Census Tract 106.03 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections