ZIP code 95410

ZIP 95410 is a very small community in Mendocino County, California, with 642 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1498 of 1,803 ranked by population — larger than 16% of them. The median age here is 63.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 95410 earn a median of $39,628 a year, 49.5% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 15.6% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 95410 is valued at $706,300, 132.8% above the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 17.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 76.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 17.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 63.7 puts ZIP 95410 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

The Census withheld gross rent for ZIP 95410 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 95410 is tabulated inside Mendocino County, California, one of 26 ZIP areas the Census publishes for that county and 1,803 across California. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 95410 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 95410 reports a median household income of $39,628, 38% below the $63,611 county median, and 56% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $706,300, 19% above the county figure and 12% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

California charges 7.25% statewide, and local governments overlapping 95410 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 95410 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.