ZIP Code 96075 — Paynes Creek CDP, CA Demographics & Data

ZIP code 96075 covers Paynes Creek, CA in Tehama County with a population of about 330.

At a glance, the area shows median age of 38.7 (near the U.S. median).

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

Median household income in ZIP 96075 is about $66,000 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 26.1%; 11.3% of adults with a bachelor’s degree or higher (about 22.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Education, and Healthcare; a mean commute of about 116.0 minutes (U.S. average near 26.8).

Median home value is about $49,400 — about 86% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 22.9% (about 42.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96075 in Paynes Creek, CA, a household would need roughly $14,000 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 $317. That sits below the local median household income ($66,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Paynes Creek 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 Paynes Creek CDP, CA show little to no average snow and around 50.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 96075 (Paynes 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.