ZIP Code 94505 — Discovery Bay CDP, CA Demographics & Data

ZIP code 94505 covers Discovery Bay, CA in Contra Costa County with a population of about 15,316.

At a glance, the area shows median age of 44.5 versus a U.S. median of about 38.9.

It sits in telephone area code 925; U.S. House district CA-9; the SAN FRANCISCO - OAK - SAN JOSE media market.

Discovery Bay, CA ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$154,063)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 94505 is about $154,063 — about 105% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.1%; unemployment rate near 8.1%; 33.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 18.9% of workers reporting work-from-home (about 3.7 points above 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 $787,500 — about 126% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,667 (about 129% above the U.S. median rent ($1,163)), and owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94505 in Discovery Bay, CA, a household would need roughly $217,000 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 $5,059. That is about 41% above the local median household income ($154,063), 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 Discovery Bay CDP, CA as Very High (composite score 99.5), which is among the highest nationally. The strongest component scores on US5 are flood (99.5) and wildfire (97.6). 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 Discovery Bay CDP, CA show little to no average snow and around 12.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 754 for ZIP 94505 (Discovery Bay 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.