ZIP Code 95428 — Covelo CDP, CA Demographics & Data

ZIP code 95428 covers Covelo, CA in Mendocino County with a population of about 2,667.

At a glance, the area shows median age of 40.2 (near the U.S. median).

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

Median household income in ZIP 95428 is about $44,286 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 34.6%; unemployment rate near 22.4%; 12.6% of adults with a bachelor’s degree or higher (about 21.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Administrative support, and Construction; about 15.3% 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 $376,400 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $733 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 57.8% (about 7.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95428 in Covelo, CA, a household would need roughly $104,000 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 $2,418. That is about 135% above the local median household income ($44,286), 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 Covelo 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 Covelo CDP, CA show little to no average snow and around 40.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 131 for ZIP 95428 (Covelo 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.