ZIP Code 95564 — Samoa, California

The median home in 95564 is valued at $403,600 against a median household income of $55,536, a price-to-income ratio of 7.3. 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 Humboldt County, 95564 ranks 14 of 26 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.2. Renting takes 26.1% of median household income (median rent $1,207 a month), under the 30% cost-burden threshold.

95564 ranks 1,334 of 1,558 statewide on median household income and 1,099 of 1,558 on median home value; its income is below the $60,178 Humboldt County median. 32% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 15% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 13.2%, above the 10.8% statewide ZIP median. Unemployment stands at 16.5%.

With 166 residents per square mile across 3.4 square miles of land, 95564 is far less dense than the statewide ZIP median of 1,120 (rank 1,074 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.