ZIP Code 93950 — Pacific Grove city, CA Demographics & Data

ZIP code 93950 covers Pacific Grove, CA in Monterey County with a population of about 15,003.

At a glance, the area shows median age of 50.3 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.

Pacific Grove, CA sits in a university / college context (near middlebury institute of international studies at monterey (2.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 93950 is about $105,568 — about 40% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.1%; unemployment rate near 5.4%; 58.5% of adults with a bachelor’s degree or higher (about 24.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 18.0% of workers reporting work-from-home (about 2.8 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 $1,129,400 — about 224% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,256 (about 94% above the U.S. median rent ($1,163)), and owner-occupancy near 48.8% (about 16.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93950 in Pacific Grove, CA, a household would need roughly $311,000 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 $7,255. That is about 195% above the local median household income ($105,568), 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 Pacific Grove 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 Pacific Grove city, CA show little to no average snow and around 20.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 738 for ZIP 93950 (Pacific Grove 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.