ZIP Code 90640 — Montebello city, CA Demographics & Data

ZIP code 90640 covers Montebello, CA in Los Angeles County with a population of about 61,615.

At a glance, the area shows median age of 39.4 (near the U.S. median).

It sits in telephone area codes 213, 323; U.S. House district CA-38; the LOS ANGELES media market.

Median household income in ZIP 90640 is about $74,833 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.8%; unemployment rate near 6.9%; 22.0% of adults with a bachelor’s degree or higher (about 11.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 9.2% of workers reporting work-from-home (about 6.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $660,600 — about 90% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,669 (about 44% above the U.S. median rent ($1,163)), and owner-occupancy near 46.3% (about 19.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 90640 in Montebello, CA, a household would need roughly $182,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,244. That is about 143% above the local median household income ($74,833), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Montebello city, CA as Very High (composite score 100.0), which is among the highest nationally. The strongest component scores on US5 are flood (100.0) and wildfire (99.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Montebello city, CA show little to no average snow and around 15.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,032 for ZIP 90640 (Montebello city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.