ZIP Code 95564 — Samoa CDP, CA Demographics & Data

ZIP code 95564 covers Samoa, CA in Humboldt County with a population of about 477.

At a glance, the area shows median age of 41.6 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 95564 is about $69,250 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 10.1%; 17.1% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Transportation; about 25.6% of workers reporting work-from-home (about 10.4 points above 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 $421,900 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $996 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 36.0% (about 29.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95564 in Samoa, CA, a household would need roughly $116,000 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 $2,710. That is about 68% above the local median household income ($69,250), 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 Samoa 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 Samoa 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 23 for ZIP 95564 (Samoa 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.