ZIP Code 95231 — French Camp CDP, CA Demographics & Data

ZIP code 95231 covers French Camp, CA in San Joaquin County with a population of about 4,339.

At a glance, the area shows median age of 35.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 209, 350; U.S. House district CA-9; the SACRAMNTO - STKTN - MODESTO media market.

French Camp, CA reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 95231 is about $73,292 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.5%; unemployment rate near 6.1%; 4.7% of adults with a bachelor’s degree or higher (about 29.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Transportation; about 8.4% of workers reporting work-from-home (about 6.8 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 $477,600 — about 37% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,576 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 59.5% (about 6.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95231 in French Camp, CA, a household would need roughly $131,000 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 $3,068. That is about 79% above the local median household income ($73,292), 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 French Camp CDP, CA as Relatively High (composite score 98.6), which is among the highest nationally. The strongest component scores on US5 are flood (97.7) and wildfire (92.0). 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 French Camp CDP, CA show little to no average snow and around 13.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 214 for ZIP 95231 (French Camp 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.