ZIP Code 92270 — Rancho Mirage city, CA Demographics & Data

ZIP code 92270 covers Rancho Mirage, CA in Riverside County with a population of about 17,375.

At a glance, the area shows median age of 65.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 442, 760; U.S. House district CA-41; the PALM SPRINGS media market.

Rancho Mirage, CA fits a retirement-oriented profile (high share of residents 65+ (49.9%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 92270 is about $109,943 — about 46% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 10.5%; 46.5% of adults with a bachelor’s degree or higher (about 12.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 26.9% of workers reporting work-from-home (about 11.7 points above 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 $747,800 — about 115% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,348 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 82.1% (about 16.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92270 in Rancho Mirage, CA, a household would need roughly $206,000 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 $4,804. That is about 87% above the local median household income ($109,943), 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 Rancho Mirage city, CA as Very High (composite score 99.9), which is among the highest nationally. The strongest component scores on US5 are wildfire (100.0) and flood (99.9). 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 Rancho Mirage city, CA show little to no average snow and around 4.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 855 for ZIP 92270 (Rancho Mirage 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.