ZIP Code 93426 — Oak Shores CDP, CA Demographics & Data

ZIP code 93426 covers Oak Shores, CA in Monterey County with a population of about 1,509.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 805, 820, 831; U.S. House district CA-18; the MONTEREY - SALINAS media market.

Median household income in ZIP 93426 is about $103,317 — about 37% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.5%; unemployment rate near 0.7%; 23.3% of adults with a bachelor’s degree or higher (about 10.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Agriculture, and Healthcare; about 15.0% of workers reporting work-from-home (roughly in line with 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 $472,000 — about 36% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $789 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 68.6% (about 3.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93426 in Oak Shores, CA, a household would need roughly $130,000 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 $3,032. That is about 26% above the local median household income ($103,317), 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 Oak Shores CDP, CA as Relatively High (composite score 98.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (97.3). 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 Oak Shores CDP, CA show little to no average snow and around 29.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 74 for ZIP 93426 (Oak Shores 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.