ZIP Code 92321 — Lake Arrowhead CDP, CA Demographics & Data

ZIP code 92321 covers Lake Arrowhead, CA in San Bernardino County with a population of about 828.

At a glance, the area shows median age of 51.1 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 92321 is about $50,893 — about 32% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.6%; unemployment rate near 17.9%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Other services, and Public administration; about 16.0% of workers reporting work-from-home (roughly in line with 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 $480,000 — about 38% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $730 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92321 in Lake Arrowhead, CA, a household would need roughly $132,000 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 $3,083. That is about 159% above the local median household income ($50,893), 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 Lake Arrowhead CDP, 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 Lake Arrowhead CDP, CA show little to no average snow and around 37.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 41 for ZIP 92321 (Lake Arrowhead 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.