ZIP Code 96022 — Cottonwood CDP, CA Demographics & Data

ZIP code 96022 covers Cottonwood, CA in Tehama County with a population of about 16,497.

At a glance, the area shows median age of 42.4 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.

Median household income in ZIP 96022 is about $87,220 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 5.6%; 22.1% of adults with a bachelor’s degree or higher (about 11.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Public administration; about 8.2% of workers reporting work-from-home (about 7.0 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 $355,300 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,050 (about 10% below the U.S. median rent ($1,163)), and owner-occupancy near 77.7% (about 12.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96022 in Cottonwood, CA, a household would need roughly $98,000 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 $2,282. That is roughly in line with the local median household income ($87,220). 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 Cottonwood CDP, CA as Relatively Moderate (composite score 88.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.5) and flood (90.0). 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 Cottonwood CDP, CA show little to no average snow and around 33.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 812 for ZIP 96022 (Cottonwood 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.