ZIP Code 93932 — Lockwood CDP, CA Demographics & Data

ZIP code 93932 covers Lockwood, CA in Monterey County with a population of about 431.

At a glance, the area shows median age of 57.4 versus a U.S. median of about 38.9.

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

Lockwood, CA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 93932 is about $95,774 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.6%; unemployment rate near 0.0%; 20.4% of adults with a bachelor’s degree or higher (about 13.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Agriculture, and Arts and entertainment; about 18.1% of workers reporting work-from-home (about 2.9 points above the U.S. share (15.2%)); a mean commute of about 127.0 minutes (U.S. average near 26.8).

Median home value is about $550,000 — about 58% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.8% (about 22.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93932 in Lockwood, CA, a household would need roughly $151,000 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 $3,533. That is about 58% above the local median household income ($95,774), 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 Lockwood 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 Lockwood CDP, CA show little to no average snow and around 11.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 93932 (Lockwood 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.