ZIP Code 95526 — Mad River CDP, CA Demographics & Data

ZIP code 95526 covers Mad River, CA in Humboldt County with a population of about 887.

At a glance, the area shows median age of 40.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 95526 is about $41,563 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.3%; unemployment rate near 11.8%; 14.4% of adults with a bachelor’s degree or higher (about 19.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Administrative support, and Healthcare; about 1.6% of workers reporting work-from-home (about 13.6 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 $338,000 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $535 (about 54% below the U.S. median rent ($1,163)), and owner-occupancy near 63.3% (about 2.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95526 in Mad River, CA, a household would need roughly $93,000 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 $2,171. That is about 124% above the local median household income ($41,563), 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 Mad River CDP, CA as Relatively High (composite score 96.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.5) and flood (94.2). 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 Mad River CDP, CA show little to no average snow and around 52.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 95526 (Mad River 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.