ZIP Code 95012 — Elkhorn CDP, CA Demographics & Data

ZIP code 95012 covers Elkhorn, CA in Monterey County with a population of about 11,147.

At a glance, the area shows median age of 27.9 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.

Median household income in ZIP 95012 is about $79,903 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.2%; unemployment rate near 4.3%; 7.7% of adults with a bachelor’s degree or higher (about 26.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Healthcare; about 5.6% of workers reporting work-from-home (about 9.6 points below 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 $629,600 — about 81% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,429 (about 23% above the U.S. median rent ($1,163)), and owner-occupancy near 45.6% (about 19.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95012 in Elkhorn, CA, a household would need roughly $173,000 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 $4,044. That is about 117% above the local median household income ($79,903), 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 Elkhorn CDP, 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 Elkhorn CDP, CA show little to no average snow and around 15.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 549 for ZIP 95012 (Elkhorn 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.