ZIP Code 95982 — Sutter CDP, CA Demographics & Data

ZIP code 95982 covers Sutter, CA in Sutter County with a population of about 2,971.

At a glance, the area shows median age of 41.1 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-1; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95982 is about $96,786 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 9.6%; 22.3% of adults with a bachelor’s degree or higher (about 11.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Other services; about 5.2% of workers reporting work-from-home (about 10.0 points below 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 $376,100 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,096 (about 6% below the U.S. median rent ($1,163)), and owner-occupancy near 78.9% (about 13.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95982 in Sutter, CA, a household would need roughly $104,000 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 $2,416. That is roughly in line with the local median household income ($96,786). 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 Sutter CDP, CA as Relatively Moderate (composite score 83.7), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (77.1) and flood (71.4). 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 Sutter CDP, CA show little to no average snow and around 17.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 146 for ZIP 95982 (Sutter 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.