ZIP Code 95864 — Arden-Arcade CDP, CA Demographics & Data

ZIP code 95864 covers Arden-Arcade, CA in Sacramento County with a population of about 25,137.

At a glance, the area shows median age of 44.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 279, 916; U.S. House district CA-6; the SACRAMNTO - STKTN - MODESTO media market.

Arden-Arcade, CA sits in a university / college context (near carrington college-administrative office (1.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 95864 is about $129,083 — about 72% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.9%; unemployment rate near 4.2%; 58.1% of adults with a bachelor’s degree or higher (about 24.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 16.9% of workers reporting work-from-home (about 1.8 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 $770,200 — about 121% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,642 (about 41% above the U.S. median rent ($1,163)), and owner-occupancy near 75.4% (about 10.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95864 in Arden-Arcade, CA, a household would need roughly $212,000 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 $4,948. That is about 64% above the local median household income ($129,083), 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 Arden-Arcade 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 Arden-Arcade 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 1,237 for ZIP 95864 (Arden-Arcade 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.