ZIP Code 95485 — Upper Lake CDP, CA Demographics & Data

ZIP code 95485 covers Upper Lake, CA in Lake County with a population of about 2,900.

At a glance, the area shows median age of 44.5 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.

Median household income in ZIP 95485 is about $84,583 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.8%; unemployment rate near 8.3%; 15.9% of adults with a bachelor’s degree or higher (about 17.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Other services; about 8.9% of workers reporting work-from-home (about 6.3 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 $364,600 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $813 (about 30% below the U.S. median rent ($1,163)), and owner-occupancy near 73.1% (about 7.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95485 in Upper Lake, CA, a household would need roughly $100,000 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 $2,342. That is about 18% above the local median household income ($84,583), 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 Upper Lake 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 Upper Lake CDP, CA show little to no average snow and around 45.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 143 for ZIP 95485 (Upper 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.