ZIP Code 95928 — Durham CDP, CA Demographics & Data

ZIP code 95928 covers Durham, CA in Butte County with a population of about 37,533.

At a glance, the area shows median age of 33.5 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-1; the CHICO - REDDING media market.

Median household income in ZIP 95928 is about $65,350 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.8%; unemployment rate near 7.7%; 41.4% of adults with a bachelor’s degree or higher (about 7.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 11.5% of workers reporting work-from-home (about 3.7 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 $476,600 — about 37% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,269 (about 9% above the U.S. median rent ($1,163)), and owner-occupancy near 42.3% (about 23.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95928 in Durham, 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 $3,062. That is about 100% above the local median household income ($65,350), 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 Durham CDP, CA as Relatively Moderate (composite score 93.9), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.5) and flood (93.2). 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 Durham CDP, CA show little to no average snow and around 27.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,847 for ZIP 95928 (Durham 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.