ZIP Code 94517 — Clayton city, CA Demographics & Data

ZIP code 94517 covers Clayton, CA in Contra Costa County with a population of about 12,164.

At a glance, the area shows median age of 43.9 versus a U.S. median of about 38.9.

It sits in telephone area code 925; U.S. House district CA-10; the SAN FRANCISCO - OAK - SAN JOSE media market.

Clayton, CA ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$164,860)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 94517 is about $164,860 — about 119% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.2%; unemployment rate near 6.8%; 57.7% of adults with a bachelor’s degree or higher (about 24.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 20.1% of workers reporting work-from-home (about 4.9 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 $995,600 — about 186% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,501 (about 201% above the U.S. median rent ($1,163)), and owner-occupancy near 90.1% (about 24.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94517 in Clayton, CA, a household would need roughly $274,000 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 $6,395. That is about 66% above the local median household income ($164,860), 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 Clayton city, 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 Clayton city, CA show little to no average snow and around 26.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 599 for ZIP 94517 (Clayton city, 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.