Life Expectancy in San Luis Obispo County – Do You Live in a Blue Zone?

An older woman contemplating her younger self.

Share This Article

Life expectancy in California is 81.3 years at birth. This is the second highest life expectancy in the US after Hawaii with 82.0 years. Life expectancy in San Luis Obispo County varies depending on the census tract from 70.4 to 84.5 years. See how to look up your census tract below. 

Why is life expectancy important for financial and estate planning?

Life expectancy is crucial in financial and estate planning as it influences various decisions, including retirement savings, investment strategies, and the timing of Social Security and pension benefits. It impacts healthcare and long-term care planning, ensuring sufficient funds for increased healthcare needs over a longer lifespan. 

For estate planning, life expectancy affects asset transfer strategies, trust arrangements, and gifting strategies to minimize taxes and provide for beneficiaries. Additionally, it plays a key role in tax planning and the selection of annuities and insurance products, ensuring they align with an individual’s financial goals and lifespan. 

Understanding life expectancy helps create comprehensive plans that offer financial security and peace of mind throughout one’s lifetime and beyond.

Life expectancy is not uniform in the United States

Of the 50 states, only Hawaii has a higher life expectancy than California (source: Life Expectancy at Birth for U.S. States)

Life expectancy by individual US State
Life expectancy by individual US State


Life expectancy in California 

While California has the second highest life expectancy relative to other US states, the map shows that life expectancy is far from uniform across the counties in California. The arrow indicates San Luis Obispo County. Source.

Life expectancy across California counties

Life expectancy in San Luis Obispo County 

Here is the map showing life expectancies determined for specific census tracts in San Luis Obispo County. The map only shows groupings of similar ranges. See the legend under the first map above.  The actual data are even more granular, and the range for individual census tracts is from 70.4 to 84.5 years (see below).Source.


Life expectancy in San Luis Obispo county
Life expectancy in San Luis Obispo county

Look up your community’s average life expectancy 

It would be quite amazing if you knew your census tract number, but you can look it up here: Census Tract Lookup. You can also refer to the San Luis Obispo County  Census Tract Reference Map [Direct Link] [PermaLink].

Once you have the census tract number, use the table below to find your location’s average life expectancy at birth. Extracted from Source.

SLO County
Census Tract
100.02 82.3 1.8116
100.16 78.2 1.3671
101.01 81.4 1.9466
101.02 75.8 1.2777
102.01 80.4 1.4788
102.02 80.7 1.4081
102.04 81 1.4914
102.05 77.2 1.2603
103 80.6 1.3951
104.03 81.9 1.5371
104.04 80.7 2.0147
105.03 78.4 1.2006
105.04 83.1 2.7901
106.02 80.1 1.0883
106.03 70.4 3.2689
107.01 83.3 1.8481
107.03 76.2 1.1127
107.07 82.4 1.262
110.01 78.3 1.082
111.02 81.4 1.6227
111.03 74.8 2.0472
115.01 77.3 1.8161
115.03 83.8 1.9334
116 82.2 1.9807
117.01 81.4 1.3666
117.04 82.1 2.2077
118 84.5 1.7508
119.01 79.7 1.2768
119.02 79.1 0.9195
120 79.2 1.2971
121.02 79.5 1.4068
122 80 1.9985
123.02 81.1 1.5288
123.04 81.6 1.6373
124.01 82.5 2.9568
124.02 79.4 1.0431
125.02 82.3 2.4518
125.03 77.2 1.5153
125.05 80.8 1.4661
126 81.6 1.4157
127.02 82.6 1.8161
127.04 83.9 1.4728
129 80.6 1.6234


San Luis Obispo County is in the highest quintile of the Socioeconomic Index

The Society of Actuaries offers an intriguing webpage featuring data visualizations of mortality rates by socioeconomic category in the United States. I created a visualization highlighting that few counties in the U.S. match San Luis Obispo County’s high socioeconomic status. The data pertains to the year 2017. High socioeconomic status may be an important factor in explaining the high life expectancy in San Luis Obispo County.


Counties in the highest socioeconomic quintile in the US in 2017
Counties in the highest socioeconomic quintile in the US in 2017


Individual results may vary

Just because you live in a blue zone doesn’t magically increase your life expectancy, although it may have some influence. After all, living in a beautiful area with access to outdoor pursuits, clean air, and low stress may add years to your life.

Longevity is influenced by a combination of sex assigned at birth, genetics, lifestyle choices, healthcare access, socioeconomic status (see above), environmental factors, social connections, mental health, and public health policies. Genetic predisposition can determine susceptibility to certain diseases, while lifestyle factors such as diet, exercise, smoking, and alcohol use significantly impact health and lifespan. 

Access to quality healthcare allows for early detection and treatment of illnesses, contributing to longer life. Socioeconomic factors, including income and education, provide resources for healthier living. Environmental quality, such as clean air and water, supports overall health. Strong social ties and mental well-being are crucial for a long, healthy life, and effective public health policies enhance population health outcomes.

Read also: The Economy Of San Luis Obispo County

We don’t spam! No more than five mailings per year.

More Articles

Schedule a free consultation with Klaus Gottlieb

© 2024 All rights reserved.

Wealth care is an orchestrated approach to your estate planning needs that considers multiple dimensions and coordination with your existing financial and tax professionals.