ZIP Code 95540 — Fortuna, California

The median home in 95540 is valued at $349,400 against a median household income of $58,348, a price-to-income ratio of 6.0. That is below 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, though it is among the more attainable ratios in the state. Within Humboldt County, 95540 ranks 8 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.2. Renting takes 23.1% of median household income (median rent $1,122 a month), under the 30% cost-burden threshold.

95540 ranks 1,281 of 1,558 statewide on median household income and 1,220 of 1,558 on median home value; its income is in line with the $60,178 Humboldt County median. 57% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 22% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 14.7%, above the 10.8% statewide ZIP median. Unemployment stands at 5.9%.

With 423 residents per square mile across 34.1 square miles of land, 95540 is far less dense than the statewide ZIP median of 1,120 (rank 927 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.