ZIP Code 95959 — Nevada City city, CA Demographics & Data

ZIP code 95959 covers Nevada City, CA in Nevada County with a population of about 18,017.

At a glance, the area shows median age of 54.2 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-3; the SACRAMNTO - STKTN - MODESTO media market.

Median household income in ZIP 95959 is about $79,509 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 4.5%; 45.4% of adults with a bachelor’s degree or higher (about 11.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Education; about 30.5% of workers reporting work-from-home (about 15.3 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 $603,200 — about 73% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,333 (about 15% above the U.S. median rent ($1,163)), and owner-occupancy near 77.4% (about 12.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95959 in Nevada City, CA, a household would need roughly $166,000 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 $3,875. That is about 109% above the local median household income ($79,509), 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 Nevada City city, CA as Relatively Moderate (composite score 89.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (99.4) and flood (89.9). 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 Nevada City city, CA show little to no average snow and around 62.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 887 for ZIP 95959 (Nevada City city, 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.