ZIP Code 95370 — Phoenix Lake CDP, CA Demographics & Data

ZIP code 95370 covers Phoenix Lake, CA in Tuolumne County with a population of about 28,373.

At a glance, the area shows median age of 49.9 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.

Median household income in ZIP 95370 is about $72,433 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.3%; unemployment rate near 7.0%; 24.4% of adults with a bachelor’s degree or higher (about 9.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 11.9% of workers reporting work-from-home (about 3.3 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 $416,200 — about 20% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,088 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 70.8% (about 5.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95370 in Phoenix Lake, CA, a household would need roughly $115,000 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 $2,674. That is about 59% above the local median household income ($72,433), 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 Phoenix Lake CDP, CA as Relatively Moderate (composite score 85.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.3) and flood (81.0). 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 Phoenix Lake CDP, CA show little to no average snow and around 32.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,396 for ZIP 95370 (Phoenix Lake 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.