ZIP Code 95497 — Sea Ranch CDP, CA Demographics & Data

ZIP code 95497 covers Sea Ranch, CA in Sonoma County with a population of about 1,200.

At a glance, the area shows median age of 70.0 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.

Sea Ranch, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 95497 is about $121,731 — about 62% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.5%; unemployment rate near 0.0%; 72.1% of adults with a bachelor’s degree or higher (about 38.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Administrative support; about 50.0% of workers reporting work-from-home (about 34.8 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 $1,198,200 — about 244% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.1% (about 29.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95497 in Sea Ranch, CA, a household would need roughly $330,000 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 $7,697. That is about 171% above the local median household income ($121,731), 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 Sea Ranch 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 Sea Ranch CDP, CA show little to no average snow and around 39.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 59 for ZIP 95497 (Sea Ranch 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.