ZIP Code 93546 — Mammoth Lakes town, CA Demographics & Data

ZIP code 93546 covers Mammoth Lakes, CA in Mono County with a population of about 8,803.

At a glance, the area shows median age of 38.3 (near the U.S. median).

It sits in telephone area codes 442, 760; U.S. House district CA-3; the RENO media market.

Median household income in ZIP 93546 is about $96,481 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 1.0%; 31.1% of adults with a bachelor’s degree or higher (about 2.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Arts and entertainment, Healthcare, and Food services; about 13.5% of workers reporting work-from-home (about 1.7 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 $618,800 — about 78% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,369 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 64.7% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93546 in Mammoth Lakes, CA, a household would need roughly $170,000 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 $3,975. That is about 76% above the local median household income ($96,481), 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 Mammoth Lakes town, CA as Relatively Low (composite score 46.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (91.2) and flood (46.9). 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 Mammoth Lakes town, CA show little to no average snow and around 23.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 433 for ZIP 93546 (Mammoth Lakes town, 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.