ZIP Code 95227 — undefined, CA Demographics & Data

ZIP code 95227 covers CA in San Joaquin County with a population of about 1,036.

At a glance, the area shows median age of 54.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 209, 350; U.S. House district CA-9; the SACRAMNTO - STKTN - MODESTO media market.

CA ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$150,143)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 95227 is about $150,143 — about 100% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 9.2%; 22.4% of adults with a bachelor’s degree or higher (about 11.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 0.2% of workers reporting work-from-home (about 15.0 points below 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 $730,200 — about 110% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.1% (about 30.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95227 in CA, a household would need roughly $201,000 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 $4,691. That is about 34% above the local median household income ($150,143), 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 CA as Relatively High (composite score 98.6), which is among the highest nationally. The strongest component scores on US5 are flood (97.7) and wildfire (92.0). 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 CA show little to no average snow and around 22.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 51 for ZIP 95227 (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.