ZIP Code 94970 — Stinson Beach CDP, CA Demographics & Data

ZIP code 94970 covers Stinson Beach, CA in Marin County with a population of about 372.

At a glance, the area shows median age of 69.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 415, 628; U.S. House district CA-2; the SAN FRANCISCO - OAK - SAN JOSE media market.

Stinson Beach, CA matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 94970 is about $117,188 — about 56% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 0.0%; 59.6% of adults with a bachelor’s degree or higher (about 25.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Professional services, and Education; about 15.9% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 137.0 minutes (U.S. average near 26.8).

Median home value is about $1,458,300 — about 319% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 77.0% (about 11.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94970 in Stinson Beach, CA, a household would need roughly $401,000 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 $9,368. That is about 242% above the local median household income ($117,188), 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 Stinson Beach CDP, CA as Relatively High (composite score 96.4), which is among the highest nationally. The strongest component scores on US5 are flood (96.5) and wildfire (94.6). 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 Stinson Beach CDP, CA show little to no average snow and around 44.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 94970 (Stinson Beach 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.