ZIP Code 92315 — Big Bear Lake city, CA Demographics & Data

ZIP code 92315 covers Big Bear Lake, CA in San Bernardino County with a population of about 5,215.

At a glance, the area shows median age of 47.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 840, 909; U.S. House district CA-23; the LOS ANGELES media market.

Median household income in ZIP 92315 is about $79,293 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.1%; unemployment rate near 6.4%; 33.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Retail trade, and Professional services; about 24.4% of workers reporting work-from-home (about 9.2 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 $538,200 — about 55% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,100 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 68.5% (about 3.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92315 in Big Bear Lake, CA, a household would need roughly $148,000 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 $3,457. That is about 87% above the local median household income ($79,293), 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 Big Bear Lake 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 Big Bear Lake city, CA show little to no average snow and around 20.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 257 for ZIP 92315 (Big Bear Lake 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.