ZIP Code 95683 — Rancho Murieta CDP, CA Demographics & Data

ZIP code 95683 covers Rancho Murieta, CA in Sacramento County with a population of about 6,128.

At a glance, the area shows median age of 54.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 279, 916; U.S. House district CA-7; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95683 is about $130,439 — about 74% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.5%; unemployment rate near 3.7%; 55.2% of adults with a bachelor’s degree or higher (about 21.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Construction; about 16.4% of workers reporting work-from-home (about 1.2 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 $666,200 — about 91% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,472 (about 113% above the U.S. median rent ($1,163)), and owner-occupancy near 93.1% (about 27.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95683 in Rancho Murieta, CA, a household would need roughly $183,000 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 $4,279. That is about 40% above the local median household income ($130,439), 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 Rancho Murieta CDP, CA as Relatively High (composite score 98.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.0) and wildfire (95.9). 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 Rancho Murieta CDP, CA show little to no average snow and around 19.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 302 for ZIP 95683 (Rancho Murieta 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.