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ZIP Code 95540

Humboldt, California

FIPS 95540

Juniper

ZIP Code 95540 is in the top 35% nationally for appreciation 1yr %, but in the bottom 5% nationally for FEMA risk score. It also sits in the bottom 8% nationally for price-to-income ratio. And it sits in the 80th percentile nationally for median home value.

Median Home Value

$389,500

Higher than 80% of U.S. ZIP codes

HPI Growth 5yr %

36%

Higher than 59% of U.S. ZIP codes

FEMA Risk Score

96.6

Higher than 95% of U.S. ZIP codes

The basics

Total Population

14,469

Median Age

39.1

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$389,500

Higher than 80%

Median Property Tax

$3,028

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

6.12

Higher than 92%

Median Rent

$1,178

Higher than 71%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

36%

Higher than 59%

Appreciation 1yr %

-0.64%

Higher than 65%

Pandemic Gain %

38%

Recession Drop %

-30%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

69.6

Winter Avg Low (°F)

42.3

Avg Temperature (°F)

55.6

Hot Days/yr (>90°F)

1.5

Freezing Days/yr (<32°F)

5.9

Annual Precipitation (in)

43.3

Annual Snowfall (in)

0.7

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

96.6

Higher than 95%

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 95540: frequently asked questions

What is the median home value in ZIP Code 95540?
The median home value in ZIP Code 95540 is $389,500, higher than 80% of U.S. ZIP codes.
How much is property tax in ZIP Code 95540?
The median annual property tax in ZIP Code 95540 is $3,028, an effective rate of 1% of home value.
Is ZIP Code 95540 expensive to live in?
Homes in ZIP Code 95540 cost about 6.12× the median household income, higher than 92% of U.S. ZIP codes.
What is the average rent in ZIP Code 95540?
The median gross rent in ZIP Code 95540 is $1,178 a month, higher than 71% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 95540?
Home prices in ZIP Code 95540 have moved 36% over the past five years (-0.64% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 95540?
ZIP Code 95540 averages 55.6°F year-round, summer highs near 69.6°F, winter lows around 42.3°F (NOAA 1991–2020 normals). It sees about 0.7 inches of snow a year.
Is ZIP Code 95540 at risk of flooding or natural disasters?
ZIP Code 95540's FEMA National Risk Index score is 96.6 (higher than 95% 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 →