ZIP Code 96065 — Montgomery Creek CDP, CA Demographics & Data

ZIP code 96065 covers Montgomery Creek, CA in Shasta County with a population of about 346.

At a glance, the area shows median age of 59.7 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.

Montgomery Creek, CA fits a retirement-oriented profile (older median age or known retirement-community context). 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 96065 is about $65,000 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.5%; unemployment rate near 16.7%; 33.4% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Transportation; about 9.0% of workers reporting work-from-home (about 6.2 points below the U.S. share (15.2%)); a mean commute of about 132.0 minutes (U.S. average near 26.8).

Median home value is about $315,800 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 87.8% (about 22.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96065 in Montgomery Creek, CA, a household would need roughly $87,000 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 $2,029. That is about 34% above the local median household income ($65,000), 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 Montgomery Creek CDP, CA as Relatively Moderate (composite score 93.4), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.5) and flood (94.8). 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 Montgomery Creek CDP, CA show little to no average snow and around 28.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 96065 (Montgomery Creek 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.