ZIP code 96107

ZIP 96107 is a very small community in Mono County, California, with 668 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1495 of 1,803 ranked by population — larger than 17% of them. The median age here is 41.4 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 96107 earn a median of $45,605 a year, 41.9% 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 20.8% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 96107 is valued at $370,800, 22.2% above the national figure, while median gross rent runs $2,061 a month, 46.6% above the national figure, or roughly $24,732 across a full year. A household on the local median income would put about 54.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. The home-price-to-income ratio works out to 8.1×, 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. 61.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 8.1× 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. With 668 residents, a handful of survey responses moves every median on this page. Compare ZIP 96107 against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 96107 is tabulated inside Mono County, California, one of 8 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 96107 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 96107 reports a median household income of $45,605, 44% below the $81,695 county median, and 49% below the $89,916 typical CA ZIP. Owner-occupied homes are valued at a median of $370,800, close to the county figure and 41% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,061 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 96107 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 96107 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.