ZIP Code 95421 — Cazadero CDP, CA Demographics & Data

ZIP code 95421 covers Cazadero, CA in Sonoma County with a population of about 1,453.

At a glance, the area shows median age of 57.1 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.

Cazadero, 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 95421 is about $76,905 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 1.6%; 41.2% of adults with a bachelor’s degree or higher (about 7.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Education; about 22.9% of workers reporting work-from-home (about 7.7 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 $642,700 — about 85% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,365 (about 17% above the U.S. median rent ($1,163)), and owner-occupancy near 79.7% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95421 in Cazadero, CA, a household would need roughly $177,000 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 $4,129. That is about 130% above the local median household income ($76,905), 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 Cazadero CDP, CA as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.2) and wildfire (98.2). 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 Cazadero CDP, CA show little to no average snow and around 39.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 72 for ZIP 95421 (Cazadero 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.