ZIP Code 95531 — Bertsch-Oceanview CDP, CA Demographics & Data

ZIP code 95531 covers Bertsch-Oceanview, CA in Del Norte County with a population of about 22,491.

At a glance, the area shows median age of 39.4 (near the U.S. median).

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

Median household income in ZIP 95531 is about $66,817 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 6.2%; 23.0% of adults with a bachelor’s degree or higher (about 10.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 7.6% of workers reporting work-from-home (about 7.6 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 $323,600 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,029 (about 12% below the U.S. median rent ($1,163)), and owner-occupancy near 67.8% (about 2.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95531 in Bertsch-Oceanview, CA, a household would need roughly $89,000 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 $2,079. That is about 33% above the local median household income ($66,817), 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 Bertsch-Oceanview CDP, CA as Relatively High (composite score 94.4), which is among the highest nationally. The strongest component scores on US5 are wildfire (85.7) and flood (77.8). 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 Bertsch-Oceanview CDP, CA show little to no average snow and around 71.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,107 for ZIP 95531 (Bertsch-Oceanview 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.