ZIP Code 91786 — Upland city, CA Demographics & Data

ZIP code 91786 covers Upland, CA in San Bernardino County with a population of about 55,519.

At a glance, the area shows median age of 34.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 840, 909; U.S. House district CA-35; the LOS ANGELES media market.

Median household income in ZIP 91786 is about $86,961 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 5.2%; 30.0% of adults with a bachelor’s degree or higher (about 3.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 11.6% of workers reporting work-from-home (about 3.6 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 $607,100 — about 74% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,773 (about 52% above the U.S. median rent ($1,163)), and owner-occupancy near 45.0% (about 20.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 91786 in Upland, CA, a household would need roughly $167,000 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 $3,900. That is about 92% above the local median household income ($86,961), 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 Upland city, CA as Very High (composite score 99.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.9) and flood (99.8). 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 Upland city, CA show little to no average snow and around 11.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,732 for ZIP 91786 (Upland city, 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.