ZIP Code 95573 — Willow Creek CDP, CA Demographics & Data

ZIP code 95573 covers Willow Creek, CA in Humboldt County with a population of about 990.

At a glance, the area shows median age of 61.2 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-2; the EUREKA media market.

Willow Creek, CA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 95573 is about $43,576 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.4%; unemployment rate near 7.3%; 29.2% of adults with a bachelor’s degree or higher (about 4.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Agriculture, and Construction; about 27.7% of workers reporting work-from-home (about 12.5 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 $337,400 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 72.5% (about 7.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95573 in Willow Creek, 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 $2,167. That is about 113% above the local median household income ($43,576), 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 Willow Creek 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 Willow Creek 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 49 for ZIP 95573 (Willow Creek 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.