Three numbers that change how you'd buy this
Pulled directly from the dataset below.
Of all $150K+ US households, only this share lives in the 102 Census-topcoded "$250K+" ZIPs
0.7%
The other 99.3% sit in lower-median ZIPs that median-income targeting ignores.
High-income households reachable via postal-code targeting
29.6M
17.2M of them earn $200K+, across 29,187 income-mapped ZIPs.
Google Ads postal targets matched to ACS income data
31,215
29,187 ZIPs have a median household income figure attached.
The 7 archetype frames
What each affluent archetype actually means.
Every $250K+ ZIP is scored against 7 percentile-based frames. The frame with the highest score becomes the ZIP's primary archetype. Identical income, very different intent — and very different ad copy.
5 of 7 frames produce at least one ZIP in the current data slice.
asset wealth
Asset Wealth
Lives off the portfolio.
Income tilts hard toward dividends, interest, and capital gains rather than wages. Top-tier home values and high IRS adjusted gross income per return. Marketing buys: wealth management, estate planning, private banking, alternative investments.
executive salary
Executive Salary
Wage-driven affluence.
Income share is overwhelmingly from W-2 wages, plus very high bachelor+ education density. The classic high-earning corporate or professional ZIP. Marketing buys: executive coaching, premium SaaS, business class travel, MBA programs.
luxury housing
Luxury Housing
Built and remodeled luxury.
Top-tier and mid-tier Zillow ZHVI values are very high, and the local establishment density of interior designers, landscapers, and high-end remodelers stands out. Marketing buys: luxury home brands, design services, custom builders, smart-home upgrades.
wealth services
Wealth Services
Where the advisors live.
Higher-than-typical density of investment advice, portfolio management, and legal services per 1,000 households, on top of asset-heavy income. Often where wealth managers cluster their offices. Marketing buys: financial advisory, trust services, tax-and-legal, fiduciary platforms.
private school
Private School
Family-affluent, education-led.
Strong density of private elementary and secondary schools per 1,000 households, paired with high bachelor+ share. Decisions rotate around the next school year. Marketing buys: private school admissions, tutoring, college prep, family enrichment.
health lifestyle
Health / Lifestyle
Concierge medicine and country clubs.
Higher density of physicians, dentists, fitness studios, and golf or country clubs per 1,000 households. Spending leans on convenience, longevity, and recreation. Marketing buys: concierge medicine, premium fitness, anti-aging clinics, club memberships.
business owner
Business Owner
Schedule C, not Schedule W-2.
IRS business / professional income share is elevated, and the local total business establishment density is high. The income comes from owning the operation. Marketing buys: business banking, succession planning, exit-strategy advisory, premium B2B tooling.
Income finds rich ZIPs. The enrichment layer explains what kind of rich they are.
Built from stored public datasets: Census ACS, IRS SOI tax data, Census ZIP Code Business Patterns, and Zillow ZHVI. No third-party intent data, no keyword guessing — just signals that exist for every ZIP in the country.
1.8M
stored metrics
4
data sources
29,187
typed ZIPs
102
$250K+ ZIPs
What was collected
1,841,315 normalized ZIP metrics across 37,813 ZIPs
The public article only shows the interpretation layer. The database keeps the underlying ZIP-source-metric rows separately so they can be reused for future research, exports, and scoring.
Census ACS 2024
844,300 metrics
Housing value, education, tenure, age, rent burden, poverty, labor force
33,772 ZIPs · 25 metric keys
IRS SOI 2022
441,424 metrics
AGI per return, wage share, asset income, business income, tax mix
27,589 ZIPs · 16 metric keys
Census CBP 2023
397,509 metrics
Business density by NAICS: wealth services, private schools, health, lifestyle, home services
34,954 ZIPs · 45 metric keys
Zillow ZHVI 2026
158,082 metrics
Mid-tier and top-tier home values, one-year and five-year value change
26,851 ZIPs · 6 metric keys
How the typing works
Each ZIP gets an archetype, not just an income rank.
Start with Google Ads-targetable ZIPs that have 2024 ACS median household income.
Join tax mix, home values, education, ownership, and local establishment density to the same ZIP.
Score each ZIP by percentile signals across 7 affluent archetype frames; assign the strongest. In the current $250K+ slice, 5 of those frames produce at least one classified ZIP.
28
signals in the scoring input
This is why the visible block is smaller than the dataset: the article shows the highest-signal explanation, not every stored row.
Archetype mix inside $250K+ ZIPs
Private School
Family-affluent, education-led.
49
avg 99.33
Asset Wealth
Lives off the portfolio.
41
avg 99.04
Executive Salary
Wage-driven affluence.
7
avg 99.73
Health/Lifestyle
Concierge medicine and country clubs.
3
avg 99.57
Wealth Services
Where the advisors live.
2
avg 99.7
Best examples
The ZIPs whose archetype signal is hardest to miss
These are not recommendations by keyword volume. They are examples where public-data signals create a clear affluent demand fingerprint for media planning.
| ZIP | Archetype | Why it classifies this way | AGI / return | Top-tier home | $150K+ HH |
|---|---|---|---|---|---|
10506 · NY score 99.33 | Private School | Private-school density is 1.79/1k HH; bachelor-plus share is 85.1%. | $498,291.04 | $2,615,175.389 | 77.7% |
10804 · NY score 97.88 | Private School | Private-school density is 0.91/1k HH; bachelor-plus share is 85.3%. | $316,486.15 | $1,632,134.127 | 69.8% |
94024 · CA score 99.71 | Private School | Private-school density is n/a; bachelor-plus share is 86.6%. | $611,574.73 | $5,899,806.995 | 72.1% |
94022 · CA score 99.57 | Asset Wealth | Asset income is 27.0% of AGI; IRS AGI per return is $839,578.75. | $839,578.75 | $7,030,602.992 | 70.2% |
06880 · CT score 99.43 | Asset Wealth | Asset income is 28.2% of AGI; IRS AGI per return is $547,218.34. | $547,218.34 | $3,421,851.388 | 66.6% |
60093 · IL score 99.56 | Asset Wealth | Asset income is 38.7% of AGI; IRS AGI per return is $655,524.27. | $655,524.27 | $2,600,621.795 | 63.0% |
20896 · MD score 99.85 | Executive Salary | Wages are n/a of AGI; bachelor-plus share is 88.3%. | n/a | $1,428,748.537 | 78.1% |
21056 · MD score 99.89 | Executive Salary | Wages are n/a of AGI; bachelor-plus share is 93.1%. | n/a | $4,009,289.91 | 87.6% |
83011 · WY score 99.96 | Executive Salary | Wages are n/a of AGI; bachelor-plus share is 97.1%. | n/a | n/a | 60.7% |
76092 · TX score 99.21 | Health/Lifestyle | Health/lifestyle business density is 26.16/1k HH across medical, fitness, and club categories. | $446,173 | $1,974,506.911 | 75.6% |
22027 · VA score 99.5 | Health/Lifestyle | Health/lifestyle business density is 7.86/1k HH across medical, fitness, and club categories. | $234,837.74 | $1,519,864.945 | 86.0% |
32830 · FL score 100 | Health/Lifestyle | Health/lifestyle business density is 46.15/1k HH across medical, fitness, and club categories. | n/a | n/a | 89.2% |
10004 · NY score 99.4 | Wealth Services | Wealth/legal services density is 117.96/1k HH; asset income is 28.5% of AGI. | $412,298.76 | $2,228,903.022 | 70.8% |
33109 · FL score 99.99 | Wealth Services | Wealth/legal services density is n/a; asset income is 75.3% of AGI. | $4,403,677.5 | $13,287,640.856 | 70.3% |
Archetype CPC overlay
What it costs to reach each archetype.
Volume-weighted average CPC for each archetype's intent keywords across the affluent ZIPs in this slice. Built from Google Ads keyword expansions per ZIP, then hydrated with national historical metrics. Higher means a more contested auction.
Concierge medicine and country clubs.
1 of 1,582 ZIPs measured · 20 keywords · 121.2K monthly searches
Top volume keyword: concierge medicine at $4.68. Highest-CPC keyword: concierge md la at $5.72.
Volume-weighted CPC
$4.24
Simple average CPC
$3.81
Family-affluent, education-led.
3 of 5,252 ZIPs measured · 60 keywords · 883.9K monthly searches
Top volume keyword: private schools near me at $2.09. Highest-CPC keyword: private pre k schools near me at $3.92.
Volume-weighted CPC
$1.99
Simple average CPC
$2.27
What rich ZIPs search for after income alone stops being useful.
For each $250K+ median-income ZIP, I ran ten premium-intent seed packs through Google Ads keyword expansion and hydrated volume + CPC from Google's historical metrics. The shape of the result — what each ZIP actually searches for — turns out to differ more than the income numbers suggest.
7
$250K+ ZIPs
4/10
Seed packs loaded
420
Queries
Select a ZIP
$250,001
median income
10282 · NY
Dominant signal: Private School
721.5K
monthly searches
Private School
Top expanded idea: private schools near me
294.6K
40.8%
Country Club
Top expanded idea: country clubs near me
200.7K
27.8%
Concierge Doctor
Top expanded idea: concierge medicine
121.2K
16.8%
Luxury Home
Top expanded idea: mansions for sale
105K
14.5%
Top expanded ideas in this ZIP
Ideas are generated for the selected ZIP. Search volume and CPC use US national because postal-code idea results can be thresholded. Copy and CSV export every stored idea for the selected ZIP.
| Query | Pack | Volume | CPC |
|---|---|---|---|
| private schools near me | Private School | 110,000 | $2.09 |
| country clubs near me | Country Club | 90,500 | $0.71 |
| hyatt hill country | Country Club | 60,500 | $0.84 |
| concierge medicine | Concierge Doctor | 40,500 | $4.68 |
| christian schools near me | Private School | 40,500 | $1.55 |
| christian academy near me | Private School | 40,500 | $1.55 |
| concierge doctors near me | Concierge Doctor | 18,100 | $4.03 |
| concierge medicine near me | Concierge Doctor | 18,100 | $4.03 |
| concierge dr near me | Concierge Doctor | 18,100 | $4.03 |
| boutique doctors near me | Concierge Doctor | 18,100 | $4.03 |
| mansions for sale | Luxury Home | 18,100 | $0.91 |
| luxury houses | Luxury Home | 18,100 | $1.36 |
Seed-pack leaders across the loaded $250K+ ZIP set
Planned packs: luxury home, private school, wealth management, estate planning, concierge doctor, country club, interior designer, home renovation, personal trainer, private chef.
Private School
Country Club
Concierge Doctor
Luxury Home
Where affluent scale clusters
The useful split
Median income is not the same as buying-power scale.
A tiny $250K+ ZIP can be perfect for luxury precision. A larger $120K median suburb can contain more high-income households and produce a better prospecting list.
Household mix
Income bands, ready for campaign planning
$150K+ households by median-income band
The $100K–$150K band quietly holds the most high-income households.
11M households at $150K+ live in ZIPs whose median is below $150K. That's roughly 53x the buying-power scale of the 208.7K living inside the 102 "$250K+" topcoded ZIPs.
Under $80K
8.2M 17,911 ZIPs
$80K-$100K
6.5M 5,637 ZIPs
$100K-$150K
11M 4,511 ZIPs
$150K-$250K
3.7M 1,026 ZIPs
$250K+
208.7K 102 ZIPs
Topcoding caveat
The Census ACS truncates median household income at $250,000. Any ZIP whose true median is $260K, $400K, or $1M shows up the same: $250,001. Sorting raw median above this ceiling is meaningless.
102 ZIPs sit at this ceiling in the atlas. We rank them by household scale, archetype score, IRS AGI per return, and Zillow top-tier home value instead of by median.
Build a ZIP list from the data table
Select an income range, archetype, state, and export the matching Google Ads postal targets with enrichment data.
Matched ZIPs
0
Tagged ZIPs
0
avg score n/a
Households $150K+
0
Households $200K+
0
Avg median income
n/a
Showing 0-0 of 0 filtered ZIPs. Exports use the full filtered set.
Compact view · all 22 columns available on desktop
Page 1 of 1
The non-obvious lists
Scale beats prestige
These ZIPs do not always have the highest median income, but they contain the largest count of $150K+ households.
- 77494 · TX21,294 HH
- 10023 · NY19,535 HH
- 11201 · NY18,778 HH
- 98052 · WA18,649 HH
- 11215 · NY17,362 HH
- 10024 · NY16,818 HH
- 77433 · TX16,399 HH
Precision pockets
The highest $200K+ household shares, filtered to ZIPs with at least 500 households.
- 10577 · NY81.4%
- 07078 · NJ79.9%
- 02071 · MA76.1%
- 19035 · PA72.7%
- 10282 · NY72.3%
- 94957 · CA70.3%
- 60043 · IL70.2%
Hidden mass-affluent
Median income sits below $150K, but the absolute number of high-income households is large.
- 77494 · TX21,294 HH
- 77433 · TX16,399 HH
- 60614 · IL16,213 HH
- 10025 · NY15,935 HH
- 78641 · TX15,573 HH
- 10128 · NY15,083 HH
- 60657 · IL14,728 HH
Topcoded but narrow
ACS reports these medians as $250,001+, but household scale is small. Useful for precision, not broad reach.
- 98164 · WA170 HH
- 82640 · WY106 HH
- 32830 · FL65 HH
- 20129 · VA162 HH
- 21056 · MD145 HH
- 10577 · NY794 HH
- 40025 · KY213 HH
Methodology
What we did
- 1Imported the 2024 ACS 5-year detailed tables for ZIP Code Tabulation Areas: population, total households, median household income, per-capita income, and the full household income distribution (table B19001).
- 2Matched each ZCTA to the Google Ads postal-code geo-target table. Exports produce either bulk paste lines (
90210, California) or Google Ads Editor CSV rows with geo-target IDs. - 3Layered IRS SOI ZIP-level tax composition, Census CBP establishment density (NAICS-coded), and Zillow ZHVI top-tier home values onto the same ZIP key. Stored as normalized ZIP-source-metric rows so each signal can be reused.
- 4Scored each $250K+ ZIP with percentile signals against 7 archetype frames; assigned the strongest as the primary archetype.
Caveats we acknowledge
- ZCTA ≠ USPS ZIP boundary. ZCTAs are Census approximations of ZIP service areas. This is a targeting screen, not a delivery-boundary file. A small share of postal codes will not match cleanly, and very rural Census ZCTAs sometimes cover multiple service areas.
- Census topcoding at $250K. Median household income is truncated at $250,000 by the ACS public release. The 102 ZIPs at the ceiling are not ranked against each other by raw median.
- ACS 5-year is a smoothed window. The 2024 release pools 2020–2024 responses. It is the only ACS release published at ZIP-level granularity, but it lags the latest tax-year reality and damps year-over-year shifts.
- IRS SOI masking. The IRS SOI ZIP file masks individual cells with very low return counts. Some affluent-but-tiny ZIPs show no AGI breakdown; we leave their tax-composition signals null rather than imputing.
- Archetype scores are relative. They are percentile ranks across the $250K+ slice, not absolute thresholds. A ZIP scoring 99 on Asset Wealth is "asset-heaviest in the affluent slice," not "an asset-wealth ZIP by some industry standard."
- Affluent demand fingerprint layer. The Google Ads keyword-expansion fingerprint per ZIP is a separate Google Ads data slice. It is rolled out incrementally and may render only partially in the article. The downloadable ZIP lists are unaffected by this.
Questions I get about this dataset
Real questions from advertisers and media planners who've looked at the data. If yours isn't here, the methodology section above has more.
What is ZIP-code income targeting in Google Ads?+
Google Ads lets advertisers target US ZIP codes by postal-code geo-target ID. Pairing each ZIP with 2024 ACS Census median household income lets you reach affluent or scalable income bands without relying on third-party intent signals. This dataset matches 31,215 Google Ads postal targets to ACS ZIP income tables.
Why does median income alone mislead advertisers?+
The 102 Census-topcoded "$250K+" ZIPs hold just 0.7% of all US $150K+ households. The other 99.3% live in lower-median ZIPs that pure median-income targeting ignores. Volume-based reach lives outside the prestige tier.
How current is the income data?+
We use the 2024 ACS 5-year detailed tables, which pool 2020-2024 American Community Survey responses. This is the only ACS release published at ZIP-level granularity; it lags the most recent tax year but is the standard source for ZIP-level income.
What is a ZCTA and how does it relate to USPS ZIPs?+
Zip Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP service areas. They are aligned to the same key but are not exact delivery boundaries. For Google Ads targeting screens this is accurate; for last-mile delivery use the USPS file.
Why are 102 ZIPs reported as "$250,001+" with no further detail?+
The ACS topcodes median household income at $250,000 by federal disclosure rules. Above that ceiling the released figure becomes $250,001+ and cannot be ranked by raw median. We rank the topcoded slice by $150K+ household scale and an archetype score built from IRS, Zillow, and Census Business Patterns signals.
What are the affluent archetypes and how were they assigned?+
Each $250K+ ZIP is scored against seven percentile-based frames (Asset Wealth, Executive Salary, Luxury Housing, Wealth Services, Private School, Health/Lifestyle, Business Owner) using IRS SOI tax composition, Zillow ZHVI top-tier values, Census Business Patterns establishment density, and ACS education share. The highest-scoring frame becomes the ZIPs primary archetype.
How do I download the ZIP lists for Google Ads?+
Use the export buttons on the article. Three formats are available: Google Ads bulk paste TXT (one line per ZIP), Google Ads Editor CSV (with geo-target IDs), and an analysis CSV with all 30 enrichment columns. All exports stream the rows directly so even a 29,000-row file downloads cleanly.
Want to run data like this — for your keyword?
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