ZIP Code 92028 — Fallbrook CDP, CA Demographics & Data

ZIP code 92028 covers Fallbrook, CA in San Diego County with a population of about 50,905.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area codes 442, 760; U.S. House district CA-48; the SAN DIEGO media market.

Median household income in ZIP 92028 is about $102,346 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.3%; unemployment rate near 6.0%; 35.4% of adults with a bachelor’s degree or higher (about 1.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 12.9% of workers reporting work-from-home (about 2.3 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 $781,200 — about 124% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,607 (about 38% above the U.S. median rent ($1,163)), and owner-occupancy near 71.3% (about 5.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92028 in Fallbrook, CA, a household would need roughly $215,000 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 $5,018. That is about 110% above the local median household income ($102,346), 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 Fallbrook CDP, CA as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (100.0) and flood (99.7). 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 Fallbrook CDP, CA show little to no average snow and around 15.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,505 for ZIP 92028 (Fallbrook CDP, 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.