ZIP Code 95536 — Ferndale, California

The median home in 95536 is valued at $527,900 against a median household income of $66,815, a price-to-income ratio of 7.9. 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 Humboldt County, 95536 ranks 18 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.2. Renting takes 21.2% of median household income (median rent $1,178 a month), under the 30% cost-burden threshold.

95536 ranks 1,137 of 1,558 statewide on median household income and 901 of 1,558 on median home value; its income is above the $60,178 Humboldt County median. 61% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 26% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 11.2%, in line with the 10.8% statewide ZIP median. Unemployment stands at 10.2%.

With 20 residents per square mile across 162.8 square miles of land, 95536 is far less dense than the statewide ZIP median of 1,120 (rank 1,352 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.