ZIP Code 95651 — Coloma CDP, CA Demographics & Data

ZIP code 95651 covers Coloma, CA in El Dorado County with a population of about 623.

At a glance, the area shows median age of 45.3 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.

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 0.0%; 26.5% of adults with a bachelor’s degree or higher (about 7.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Finance and insurance, and Transportation; about 41.1% of workers reporting work-from-home (about 25.9 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 $697,400 — about 100% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,480 (about 27% above the U.S. median rent ($1,163)), and owner-occupancy near 60.5% (about 4.9 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95651 in Coloma, CA, a household would need roughly $192,000 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 $4,480. 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 Coloma CDP, CA as Relatively Moderate (composite score 91.4), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.7) and flood (91.7). 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 Coloma CDP, CA show little to no average snow.

IRS migration statistics show a net inflow of about 31 for ZIP 95651 (Coloma 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.