ZIP Code 93962 — Spreckels CDP, CA Demographics & Data

ZIP code 93962 covers Spreckels, CA in Monterey County with a population of about 189.

At a glance, the area shows median age of 68.9 versus a U.S. median of about 38.9.

It sits in telephone area code 831; U.S. House district CA-19; the MONTEREY - SALINAS media market.

Spreckels, CA fits a retirement-oriented profile (high share of residents 65+ (86.2%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 47.6% of adults with a bachelor’s degree or higher (about 13.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Manufacturing, and Retail trade; a mean commute of about 71.0 minutes (U.S. average near 26.8).

Median home value is about $829,500 — about 138% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 66.4% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93962 in Spreckels, CA, a household would need roughly $228,000 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 $5,328. 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 Spreckels 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 Spreckels CDP, CA show little to no average snow and around 15.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 93962 (Spreckels 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.