ZIP Code 96115 — Lake City CDP, CA Demographics & Data

ZIP code 96115 covers Lake City, CA in Modoc County with a population of about 109.

At a glance, the area shows median age of 61.6 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.

Lake City, CA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 96115 is about $69,583 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.1%; unemployment rate near 0.0%; 42.9% of adults with a bachelor’s degree or higher (about 9.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Public administration, and Education; about 14.3% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 36.0 minutes (U.S. average near 26.8).

Median home value is about $289,300 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.9% (about 31.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96115 in Lake City, CA, a household would need roughly $80,000 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 $1,858. That is roughly in line with the local median household income ($69,583). 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 Lake City CDP, CA as Very Low (composite score 39.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (92.9) and flood (44.8). 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 Lake City CDP, CA show little to no average snow and around 17.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 96115 (Lake City 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.