ZIP Code 95426 — Cobb CDP, CA Demographics & Data

ZIP code 95426 covers Cobb, CA in Lake County with a population of about 1,265.

At a glance, the area shows median age of 60.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-4; the SAN FRANCISCO - OAK - SAN JOSE media market.

Cobb, CA fits a retirement-oriented profile (high share of residents 65+ (42.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 95426 is about $91,368 — about 22% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 9.7%; 30.7% of adults with a bachelor’s degree or higher (about 3.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Wholesale trade; about 17.1% of workers reporting work-from-home (about 1.9 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 $348,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.3% (about 23.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95426 in Cobb, CA, a household would need roughly $96,000 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 $2,235. That is roughly in line with the local median household income ($91,368). 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 Cobb CDP, CA as Relatively Moderate (composite score 93.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.1) and flood (94.1). 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 Cobb CDP, CA show little to no average snow and around 29.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 62 for ZIP 95426 (Cobb 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.