ZIP Code 95939 — Elk Creek CDP, CA Demographics & Data

ZIP code 95939 covers Elk Creek, CA in Glenn County with a population of about 323.

At a glance, the area shows median age of 61.3 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-1; the CHICO - REDDING media market.

Elk Creek, CA fits a retirement-oriented profile (high share of residents 65+ (44.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 95939 is about $35,893 — about 52% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 1.8%; 26.0% of adults with a bachelor’s degree or higher (about 7.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Other services; about 20.7% of workers reporting work-from-home (about 5.5 points above the U.S. share (15.2%)); a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $262,500 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,056 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 43.0% (about 22.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95939 in Elk Creek, CA, a household would need roughly $72,000 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 $1,686. That is about 101% above the local median household income ($35,893), 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 Elk Creek CDP, CA as Relatively Low (composite score 74.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (91.8) and flood (42.3). 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 Elk Creek CDP, CA show little to no average snow and around 21.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 95939 (Elk Creek 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.