ZIP Code 95003 — Day Valley CDP, CA Demographics & Data

ZIP code 95003 covers Day Valley, CA in Santa Cruz County with a population of about 24,708.

At a glance, the area shows median age of 48.1 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.

Median household income in ZIP 95003 is about $140,990 — about 88% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.7%; unemployment rate near 5.0%; 54.5% of adults with a bachelor’s degree or higher (about 20.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 21.9% of workers reporting work-from-home (about 6.7 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 $1,154,000 — about 232% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,357 (about 103% above the U.S. median rent ($1,163)), and owner-occupancy near 72.2% (about 6.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95003 in Day Valley, CA, a household would need roughly $318,000 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 $7,413. That is about 126% above the local median household income ($140,990), 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 Day Valley CDP, CA as Relatively High (composite score 97.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.3) and flood (96.2). 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 Day Valley CDP, CA show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,216 for ZIP 95003 (Day Valley 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.