ZIP Code 95552 — Ruth CDP, CA Demographics & Data

ZIP code 95552 covers Ruth, CA in Trinity County with a population of about 433.

At a glance, the area shows median age of 61.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the CHICO - REDDING media market.

Ruth, CA fits a retirement-oriented profile (high share of residents 65+ (43.0%)). 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 95552 is about $21,007 — about 72% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.9%; unemployment rate near 0.0%; 13.7% of adults with a bachelor’s degree or higher (about 20.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Education; a mean commute of about 88.0 minutes (U.S. average near 26.8).

Median home value is about $196,700 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $317 (about 73% below the U.S. median rent ($1,163)), and owner-occupancy near 59.1% (about 6.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95552 in Ruth, CA, a household would need roughly $54,000 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 $1,264. That is about 157% above the local median household income ($21,007), 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 Ruth CDP, CA as Relatively Low (composite score 79.5), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.5) and flood (79.0). 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 Ruth CDP, CA show little to no average snow and around 40.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 21 for ZIP 95552 (Ruth 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.