ZIP Code 95528 — Carlotta, California

The median home in 95528 is valued at $482,100 against a median household income of $75,395, a price-to-income ratio of 6.4. That is in line with 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 Humboldt County, 95528 ranks 10 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.2. Renting takes 14.1% of median household income (median rent $889 a month), under the 30% cost-burden threshold.

95528 ranks 974 of 1,558 statewide on median household income and 963 of 1,558 on median home value; its income is above the $60,178 Humboldt County median. 79% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 21% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 20.2%, far above the 10.8% statewide ZIP median. Unemployment stands at 20.4%.

With 18 residents per square mile across 87.9 square miles of land, 95528 is far less dense than the statewide ZIP median of 1,120 (rank 1,364 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.