Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
ZIP 95538 is tagged as a military / base community. Loading DoD locality rates… Rates are a planning reference — confirm with finance or the official DTMO BAH lookup.
ZIP code 95538 covers Fort Dick, CA in Del Norte County with a population of about 1,065.
At a glance, the area shows median age of 55.4 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.
Fort Dick, CA reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.
US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.
Median household income in ZIP 95538 is about $64,481 — about 14% below the U.S. median ($75,149).
On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 8.1%; 11.5% of adults with a bachelor’s degree or higher (about 22.2 points below the national share (33.7%)).
Labor and commute patterns include leading industry context around Education, Public administration, and Agriculture; a mean commute of about 180.0 minutes (U.S. average near 26.8).
Median home value is about $285,900 — about 18% below the U.S. median home value ($348,079).
Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 95538 in Fort Dick, 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 $1,837. That is about 23% above the local median household income ($64,481), 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 Fort Dick 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 Fort Dick CDP, CA show limited published climate normals on US5.
IRS migration statistics show a net inflow of about 52 for ZIP 95538 (Fort Dick 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.