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ZIP Code 95039

Monterey, California

FIPS 95039

Juniper

ZIP Code 95039 is in the bottom 2% nationally for price-to-income ratio. It also sits in the bottom 4% nationally for FEMA risk score. And it sits in the 85th percentile nationally for median home value.

Median Home Value

$453,400

Higher than 85% of U.S. ZIP codes

FEMA Risk Score

97.5

Higher than 96% of U.S. ZIP codes

The basics

Total Population

948

Median Age

49.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$453,400

Higher than 85%

Median Property Tax

$2,170

Effective Tax Rate

0%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

9.18

Higher than 98%

Median Rent

$1,197

Higher than 72%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

71.5

Winter Avg Low (°F)

40.3

Avg Temperature (°F)

57.6

Hot Days/yr (>90°F)

6.5

Freezing Days/yr (<32°F)

8.2

Annual Precipitation (in)

17.9

Annual Snowfall (in)

0

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

97.5

Higher than 96%

EAL Flood/Coastal per $1K

0.19

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 95039: frequently asked questions

What is the median home value in ZIP Code 95039?
The median home value in ZIP Code 95039 is $453,400, higher than 85% of U.S. ZIP codes.
How much is property tax in ZIP Code 95039?
The median annual property tax in ZIP Code 95039 is $2,170, an effective rate of 0% of home value.
Is ZIP Code 95039 expensive to live in?
Homes in ZIP Code 95039 cost about 9.18× the median household income, higher than 98% of U.S. ZIP codes.
What is the average rent in ZIP Code 95039?
The median gross rent in ZIP Code 95039 is $1,197 a month, higher than 72% of U.S. ZIP codes.
What is the weather like in ZIP Code 95039?
ZIP Code 95039 averages 57.6°F year-round, summer highs near 71.5°F, winter lows around 40.3°F (NOAA 1991–2020 normals).
Is ZIP Code 95039 at risk of flooding or natural disasters?
ZIP Code 95039's FEMA National Risk Index score is 97.5 (higher than 96% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake. Expected annual loss from flooding is 0.19 per $1,000 of building value.

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