ZIP Code 96125 — Sierra City CDP, CA Demographics & Data

ZIP code 96125 covers Sierra City, CA in Sierra County with a population of about 226.

At a glance, the area shows median age of 69.9 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.

Sierra City, CA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (23.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 96125 is about $76,875 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 0.0%; 29.2% of adults with a bachelor’s degree or higher (about 4.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Utilities, and Construction; about 31.8% of workers reporting work-from-home (about 16.6 points above the U.S. share (15.2%)); a mean commute of about 73.0 minutes (U.S. average near 26.8).

Median home value is about $377,000 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96125 in Sierra City, CA, a household would need roughly $104,000 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 $2,422. That is about 35% above the local median household income ($76,875), 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 Sierra City CDP, CA as Very Low (composite score 31.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (95.6) and flood (37.7). 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 Sierra City CDP, CA show little to no average snow.

IRS migration statistics show a net inflow of about 11 for ZIP 96125 (Sierra City 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.