ZIP Code 95570 — Westhaven-Moonstone CDP, CA Demographics & Data

ZIP code 95570 covers Westhaven-Moonstone, CA in Humboldt County with a population of about 2,480.

At a glance, the area shows median age of 48.3 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 95570 is about $72,143 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.5%; unemployment rate near 11.0%; 58.0% of adults with a bachelor’s degree or higher (about 24.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Other services; about 16.8% of workers reporting work-from-home (about 1.6 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 $599,300 — about 72% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,580 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 69.6% (about 4.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95570 in Westhaven-Moonstone, CA, a household would need roughly $165,000 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 $3,850. That is about 129% above the local median household income ($72,143), 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 Westhaven-Moonstone 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 Westhaven-Moonstone CDP, CA show little to no average snow and around 46.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 122 for ZIP 95570 (Westhaven-Moonstone 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.