ZIP Code 93923 — Carmel-by-the-Sea city, CA Demographics & Data

ZIP code 93923 covers Carmel-by-the-Sea, CA in Monterey County with a population of about 12,377.

At a glance, the area shows median age of 60.4 versus a U.S. median of about 38.9.

It sits in telephone area code 831; U.S. House district CA-19; the MONTEREY - SALINAS media market.

Carmel-by-the-Sea, CA ranks among higher-income / higher-home-value communities on US5 (very high median home values). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 93923 is about $122,500 — about 63% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 3.8%; 65.1% of adults with a bachelor’s degree or higher (about 31.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Education; about 18.9% of workers reporting work-from-home (about 3.7 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 $1,570,800 — about 351% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,108 (about 81% above the U.S. median rent ($1,163)), and owner-occupancy near 75.6% (about 10.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93923 in Carmel-by-the-Sea, CA, a household would need roughly $432,000 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 $10,090. That is about 253% above the local median household income ($122,500), 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 Carmel-by-the-Sea city, CA as Relatively High (composite score 98.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (97.3). 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 Carmel-by-the-Sea city, CA show little to no average snow and around 17.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 609 for ZIP 93923 (Carmel-by-the-Sea 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.