ZIP Code 96140 — Carnelian Bay CDP, CA Demographics & Data

ZIP code 96140 covers Carnelian Bay, CA in Placer County with a population of about 1,099.

At a glance, the area shows median age of 45.9 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.

Carnelian Bay, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 96140 is about $185,104 — about 146% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 2.4%; 65.9% of adults with a bachelor’s degree or higher (about 32.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Real estate; about 61.2% of workers reporting work-from-home (about 46.0 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 $870,500 — about 150% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,250 (about 93% above the U.S. median rent ($1,163)), and owner-occupancy near 89.1% (about 23.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 96140 in Carnelian Bay, CA, a household would need roughly $240,000 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 $5,592. That is about 30% above the local median household income ($185,104), 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 Carnelian Bay CDP, CA as Relatively Moderate (composite score 93.1), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (95.8). 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 Carnelian Bay CDP, CA show little to no average snow and around 33.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 54 for ZIP 96140 (Carnelian Bay 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.