ZIP Code 95646 — Kirkwood CDP, CA Demographics & Data

ZIP code 95646 covers Kirkwood, CA in Alpine County with a population of about 406.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area codes 209, 350, 530; U.S. House district CA-3; the RENO media market.

Kirkwood, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 95646 is about $145,341 — about 93% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.7%; unemployment rate near 0.0%; 83.3% of adults with a bachelor’s degree or higher (about 49.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Utilities, and Healthcare; about 49.0% of workers reporting work-from-home (about 33.8 points above the U.S. share (15.2%)); a mean commute of about 100.0 minutes (U.S. average near 26.8).

Median home value is about $568,200 — about 63% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95646 in Kirkwood, CA, a household would need roughly $156,000 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 $3,650. That is roughly in line with the local median household income ($145,341). 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 Kirkwood CDP, CA as Very Low (composite score 10.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (89.1) and flood (11.2). 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 Kirkwood CDP, CA show little to no average snow and around 20.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 95646 (Kirkwood 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.