ZIP Code 95420 — Caspar CDP, CA Demographics & Data

ZIP code 95420 covers Caspar, CA in Mendocino County with a population of about 349.

At a glance, the area shows median age of 61.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the SAN FRANCISCO - OAK - SAN JOSE media market.

Caspar, CA fits a retirement-oriented profile (high share of residents 65+ (41.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 0.0%; 66.0% of adults with a bachelor’s degree or higher (about 32.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Public administration, and Healthcare; about 15.3% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 94.0 minutes (U.S. average near 26.8).

Median home value is about $1,103,300 — about 217% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 64.5% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95420 in Caspar, CA, a household would need roughly $304,000 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 $7,087. 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 Caspar CDP, CA as Relatively High (composite score 94.3), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.8) and flood (95.1). 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 Caspar CDP, CA show little to no average snow and around 43.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 95420 (Caspar 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.