ZIP Code 95437 — Fort Bragg, California

The median home in 95437 is valued at $494,800 against a median household income of $53,320, a price-to-income ratio of 9.3. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Mendocino County, 95437 ranks 13 of 21 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.7. Renting takes 28.0% of median household income (median rent $1,243 a month), under the 30% cost-burden threshold.

95437 ranks 1,368 of 1,558 statewide on median household income and 934 of 1,558 on median home value; its income is below the $61,576 Mendocino County median. 57% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 24% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 15.6%, above the 10.8% statewide ZIP median. Unemployment stands at 9.9%.

With 84 residents per square mile across 177.4 square miles of land, 95437 is far less dense than the statewide ZIP median of 1,120 (rank 1,171 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.