ZIP Code 92314 — Big Bear City CDP, CA Demographics & Data

ZIP code 92314 covers Big Bear City, CA in San Bernardino County with a population of about 10,410.

At a glance, the area shows median age of 43.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 840, 909; U.S. House district CA-23; the LOS ANGELES media market.

Median household income in ZIP 92314 is about $79,191 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.7%; unemployment rate near 7.7%; 25.6% of adults with a bachelor’s degree or higher (about 8.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Education, and Construction; about 16.4% of workers reporting work-from-home (about 1.2 points above 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 $412,800 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,163 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 73.7% (about 8.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92314 in Big Bear City, CA, a household would need roughly $114,000 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 $2,652. That is about 44% above the local median household income ($79,191), 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 Big Bear City CDP, CA as Very High (composite score 99.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.9) and flood (99.8). 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 Big Bear City CDP, CA show little to no average snow and around 20.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 512 for ZIP 92314 (Big Bear City 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.