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ZIP Code 95012

Monterey, California

FIPS 95012

Juniper

ZIP Code 95012 is in the top 2% nationally for appreciation 1yr %, but in the bottom 5% nationally for price-to-income ratio. It also sits in the 92th percentile nationally for median home value. And it sits in the bottom 15% nationally for FEMA risk score.

Median Home Value

$598,900

Higher than 92% of U.S. ZIP codes

HPI Growth 5yr %

44%

Higher than 66% of U.S. ZIP codes

FEMA Risk Score

90

Higher than 85% of U.S. ZIP codes

The basics

Total Population

10,814

Median Age

28.5

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$598,900

Higher than 92%

Median Property Tax

$3,338

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

7.46

Higher than 95%

Median Rent

$1,468

Higher than 82%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

44%

Higher than 66%

Appreciation 1yr %

16%

Higher than 98%

Pandemic Gain %

43%

Recession Drop %

-62%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

71.2

Winter Avg Low (°F)

41.2

Avg Temperature (°F)

57.8

Hot Days/yr (>90°F)

6

Freezing Days/yr (<32°F)

7.1

Annual Precipitation (in)

17.9

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

90

Higher than 85%

EAL Flood/Coastal per $1K

0.01

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 95012: frequently asked questions

What is the median home value in ZIP Code 95012?
The median home value in ZIP Code 95012 is $598,900, higher than 92% of U.S. ZIP codes.
How much is property tax in ZIP Code 95012?
The median annual property tax in ZIP Code 95012 is $3,338, an effective rate of 1% of home value.
Is ZIP Code 95012 expensive to live in?
Homes in ZIP Code 95012 cost about 7.46× the median household income, higher than 95% of U.S. ZIP codes.
What is the average rent in ZIP Code 95012?
The median gross rent in ZIP Code 95012 is $1,468 a month, higher than 82% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95012?
Home prices in ZIP Code 95012 have moved 44% over the past five years (16% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95012?
ZIP Code 95012 averages 57.8°F year-round, summer highs near 71.2°F, winter lows around 41.2°F (NOAA 1991–2020 normals).
Is ZIP Code 95012 at risk of flooding or natural disasters?
ZIP Code 95012's FEMA National Risk Index score is 90 (higher than 85% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Expected annual loss from flooding is 0.01 per $1,000 of building value.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →