ZIP Code 94546 — Castro Valley CDP, CA Demographics & Data

ZIP code 94546 covers Castro Valley, CA in Alameda County with a population of about 45,848.

At a glance, the area shows median age of 42.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 341, 510; U.S. House district CA-14; the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 94546 is about $125,780 — about 67% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 3.7%; 41.4% of adults with a bachelor’s degree or higher (about 7.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; 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 $976,300 — about 180% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,317 (about 99% above the U.S. median rent ($1,163)), and owner-occupancy near 65.8% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94546 in Castro Valley, CA, a household would need roughly $269,000 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 $6,271. That is about 114% above the local median household income ($125,780), 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 Castro Valley CDP, CA as Very High (composite score 99.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.7) and wildfire (97.7). 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 Castro Valley CDP, CA show little to no average snow and around 16.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,256 for ZIP 94546 (Castro Valley 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.