ZIP Code 95423 — Spring Valley CDP, CA Demographics & Data

ZIP code 95423 covers Spring Valley, CA in Lake County with a population of about 3,432.

At a glance, the area shows median age of 56.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-4; the SAN FRANCISCO - OAK - SAN JOSE media market.

Spring Valley, 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 95423 is about $43,170 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.9%; unemployment rate near 12.4%; 20.6% of adults with a bachelor’s degree or higher (about 13.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Construction, and Healthcare; about 16.1% of workers reporting work-from-home (roughly in line with 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 $285,300 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,147 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 69.2% (about 3.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95423 in Spring Valley, CA, a household would need roughly $79,000 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 $1,833. That is about 83% above the local median household income ($43,170), 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 Spring Valley CDP, CA as Relatively Moderate (composite score 93.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.1) and flood (94.1). 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 Spring Valley CDP, CA show little to no average snow and around 29.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 169 for ZIP 95423 (Spring Valley 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.