ZIP Code 93645 — undefined, CA Demographics & Data

ZIP code 93645 covers CA in Madera County with a population of about 1,082.

At a glance, the area shows median age of 18.9 versus a U.S. median of about 38.9.

It sits in telephone area code 559; U.S. House district CA-5; the FRESNO - VISALIA media market.

Median household income in ZIP 93645 is about $77,138 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 33.3%; 1.0% of adults with a bachelor’s degree or higher (about 32.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Utilities, and Education; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $366,700 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 58.7% (about 6.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93645 in CA, a household would need roughly $101,000 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 $2,356. That is about 31% above the local median household income ($77,138), 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 CA as Relatively High (composite score 96.4), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.4) and flood (94.0). 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 CA show little to no average snow and around 33.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 53 for ZIP 93645 (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.