ZIP Code 95977 — Smartsville CDP, CA Demographics & Data

ZIP code 95977 covers Smartsville, CA in Yuba County with a population of about 1,738.

At a glance, the area shows median age of 43.1 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.

Median household income in ZIP 95977 is about $100,909 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 0.0%; 18.1% of adults with a bachelor’s degree or higher (about 15.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Retail trade; about 17.2% of workers reporting work-from-home (about 2.0 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 $441,300 — about 27% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 97.9% (about 32.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95977 in Smartsville, CA, a household would need roughly $121,000 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 $2,835. That is about 20% above the local median household income ($100,909), 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 Smartsville CDP, CA as Relatively Low (composite score 80.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.8) and flood (83.8). 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 Smartsville CDP, CA show little to no average snow and around 53.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 86 for ZIP 95977 (Smartsville 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.