ZIP Code 95245 — Rail Road Flat CDP, CA Demographics & Data

ZIP code 95245 covers Rail Road Flat, CA in Calaveras County with a population of about 3,227.

At a glance, the area shows median age of 55.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 209, 350; U.S. House district CA-5; the SACRAMNTO - STKTN - MODESTO media market.

Rail Road Flat, CA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 95245 is about $85,387 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.0%; unemployment rate near 3.4%; 15.1% of adults with a bachelor’s degree or higher (about 18.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Public administration; about 8.2% of workers reporting work-from-home (about 7.0 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 $424,700 — about 22% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,094 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 83.9% (about 18.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95245 in Rail Road Flat, CA, a household would need roughly $117,000 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 $2,728. That is about 37% above the local median household income ($85,387), 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 Rail Road Flat CDP, CA as Relatively Moderate (composite score 86.6), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.5) and flood (77.6). 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 Rail Road Flat CDP, CA show little to no average snow and around 32.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 159 for ZIP 95245 (Rail Road Flat 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.