ZIP Code 95602 — Lake of the Pines CDP, CA Demographics & Data

ZIP code 95602 covers Lake of the Pines, CA in Placer County with a population of about 19,248.

At a glance, the area shows median age of 53.1 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-3; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95602 is about $102,063 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.1%; unemployment rate near 2.5%; 34.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Food services; about 14.3% of workers reporting work-from-home (roughly in line with 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 $646,900 — about 86% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,410 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 81.1% (about 15.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95602 in Lake of the Pines, CA, a household would need roughly $178,000 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 $4,156. That is about 74% above the local median household income ($102,063), 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 Lake of the Pines CDP, CA as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (95.8). 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 Lake of the Pines CDP, CA show little to no average snow and around 36.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 947 for ZIP 95602 (Lake of the Pines 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.