ZIP Code 94923 — Bodega Bay CDP, CA Demographics & Data

ZIP code 94923 covers Bodega Bay, CA in Sonoma County with a population of about 1,457.

At a glance, the area shows median age of 54.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the SAN FRANCISCO - OAK - SAN JOSE media market.

On socioeconomic markers, US5 shows a poverty rate of 1.4%; unemployment rate near 15.2%; 43.8% of adults with a bachelor’s degree or higher (about 10.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Professional services; about 21.9% of workers reporting work-from-home (about 6.7 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 $1,177,900 — about 238% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,127 (about 3% below the U.S. median rent ($1,163)), and owner-occupancy near 79.8% (about 14.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94923 in Bodega Bay, CA, a household would need roughly $324,000 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 $7,567. 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 Bodega Bay CDP, CA as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.2) and wildfire (98.2). 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 Bodega Bay CDP, CA show little to no average snow and around 28.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 72 for ZIP 94923 (Bodega Bay 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.