95528 ZIP Code — Carlotta, CA

Humboldt County, California

ZIP code 95528 is located in Carlotta, California, within Humboldt County. It covers approximately 87.88 square miles and serves a population of 1,555 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 707.

About ZIP code 95528

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1960s, giving the area an established character. Median home value is $482,100. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($75,395) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 20% of residents, above the national average. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 95528 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

1,555

population

87.88

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95528 ZIP code map

Cities in ZIP code 95528

Below are the cities the US Postal Service accepts for ZIP code 95528. Using any city not on this list may result in mail delivery delays.

City	Status
Carlotta	Preferred

Nearby ZIP codes

95565 Scotia (4.5 mi) 95547 Hydesville (9.2 mi) 95569 Redcrest (9.7 mi) 95562 Rio Dell (10.9 mi) 95540 Fortuna (12.5 mi) 95554 Myers Flat (15 mi) 95536 Ferndale (15.3 mi) 95526 Bridgeville (17.5 mi) 95526 Bridgeville (17.5 mi) 95503 Eureka (18.8 mi) 95550 Korbel (19.3 mi) 95558 Petrolia (19.4 mi)

Demographics updated 05/2026

Population
Total population	1,555
Population density	18 / sq mi
State FIPS	06
County FIPS	023

Geography
Land area	87.88 sq mi
Water area	0.16 sq mi
Latitude	40.4786
Longitude	-123.9384
Timezone	Pacific (PT)
Area code	707

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.3%	50.6%	32.6%
$50k – $100k	30.8%	27.7%	27.7%
$100k – $200k	14.3%	17.1%	26.4%
Over $200k	12.6%	4.5%	13.3%

Demographics & statistics

1,555

Population

People per sq mi

48.1

Median age

$75,395

Median household income

$40,338

Per capita income

$482,100

Median home value

$889

Median monthly rent

78.9%

Home ownership

20.2%

Poverty rate

20.4%

Unemployment

561

Housing units

20.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

163

65–74

160

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	323	20.8%
18 and over	1,232	79.2%
65 and over	415	26.7%
Median age	48.1 years

Race & ethnicity

White 85.5%

Two or more races 8.4%

American Indian / Alaska Native 3.8%

Hispanic or Latino 2.3%

Group	Count	%
White	1,360	85.5%
Two or more races	134	8.4%
American Indian / Alaska Native	61	3.8%
Hispanic or Latino	36	2.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.3%	50.6%	32.6%
$50k – $100k	30.8%	27.7%	27.7%
$100k – $200k	14.3%	17.1%	26.4%
Over $200k	12.6%	4.5%	13.3%

Under $10k 6.3%

$10k–$15k 4.6%

$15k–$25k 4.1%

$25k–$35k 16.1%

$35k–$50k 8.2%

$50k–$75k 10.1%

$75k–$100k 16.3%

$100k–$150k 12.8%

$150k–$200k 8.4%

$200k+ 13.0%

Range	% of households
Under $10k	6.3%
$10k–$15k	4.6%
$15k–$25k	4.1%
$25k–$35k	16.1%
$35k–$50k	8.2%
$50k–$75k	10.1%
$75k–$100k	16.3%
$100k–$150k	12.8%
$150k–$200k	8.4%
$200k+	13.0%
Median income	$75,395

Housing

Home values

Under $50k 2.6%

$50k–$100k 1.5%

$100k–$150k 2.4%

$150k–$200k 0.4%

$200k–$300k 14.3%

$300k–$500k 32.3%

$500k–$1M 44.3%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$482,100
Median rent / month	$889
Owner occupied	78.9%
Renter occupied	21.1%
Vacant	14.6%
Single-family detached	90.1%
Large apartment buildings	0.0%
Mobile homes	7.6%
Median rooms	5.1
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	6.4%
1990–1999	14.8%
1980–1989	10.1%
1970–1979	15.1%
1960–1969	16.7%
1950–1959	9.9%
1940–1949	9.8%
1939 or earlier	14.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	8.0%
2 bedrooms	37.9%
3 bedrooms	36.7%
4 bedrooms	15.9%
5+ bedrooms	0.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.4%
1 vehicle	27.6%
2 vehicles	32.2%
3 or more	37.8%

Heating fuel

Fuel type	%
Utility gas	28.9%
Electricity	8.0%
Propane / LP gas	14.4%
Wood	45.9%
No fuel used	1.2%

Households & families

Household type	Count	%
Married-couple family	368	63.0%
Cohabiting couple	56	9.6%
Male householder, no spouse	44	7.5%
Female householder, no spouse	116	19.9%
Households with children under 18	114	19.5%
Households with seniors (65+)	288	49.3%
Average household size	2.66

Marital status

Status	Male	Female
Never married	31.1%	21.1%
Married	59.0%	60.0%
Separated	0.0%	1.4%
Widowed	0.5%	7.8%
Divorced	9.5%	9.7%

Education

Less than 9th grade 0.0%

Some HS, no diploma 13.6%

HS graduate 26.7%

Some college, no degree 26.9%

Associate's degree 12.0%

Bachelor's degree 17.4%

Graduate / professional 3.4%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	20.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	16	6.7%
Kindergarten	25	10.4%
Elementary school	117	48.8%
High school	56	23.3%
College / grad school	26	10.8%

Employment

Industry of employment

Education & healthcare 21.2%

Retail trade 14.8%

Agriculture & mining 11.1%

Construction 11.1%

Public administration 7.8%

Professional & management 7.6%

Arts, food & hospitality 7.4%

Wholesale trade 7.0%

Manufacturing 3.9%

Other services 3.5%

Finance & real estate 3.3%

Transportation & utilities 1.0%

Information 0.4%

Occupation

Category	%
Management, business & arts	32.9%
Service	20.2%
Sales & office	17.1%
Natural resources & construction	11.7%
Production & transportation	18.1%

Employment type

Type	%
Private sector	69.1%
Government	14.2%
Self-employed	16.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.7%
Carpool	13.9%
Public transit	0.0%
Walk	6.4%
Work from home	3.0%
Other means	3.0%
Avg commute (minutes)	28.8

Poverty

All people 20.2%

Under 18 years 43.0%

18 and over 14.2%

Married-couple families 7.6%

Female-led households 34.1%

Income support

Source	% of households
Social Security	52.4%
Retirement income	24.8%
Supplemental Security	4.1%
Cash public assistance	3.9%
Food stamps / SNAP	11.8%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	32.1%
High cholesterol	32.4%
Diabetes	10.6%
Heart disease	7.1%
Stroke	3.3%
Asthma	10.8%
Arthritis	26.4%
Kidney disease	3.1%
Pulmonary disease	8.4%
Cancer	7.0%

Behavior / access	%
Smoking	15.7%
Binge drinking	19.4%
No physical activity	20.0%
Less than 7 hrs sleep	33.8%
Depression	20.0%
Fair or poor health	15.7%
Poor mental health	15.7%
Poor physical health	12.0%
No health insurance	9.3%
Visited doctor (checkup)	67.9%
Visited dentist	63.3%
Cholesterol screening	91.2%
Teeth loss	12.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	93	7.5%

Disability	%
Any disability	25.1%
Under 18	5.3%
18–64 years	22.4%
65 and over	46.0%

Health insurance coverage

Type	%
Private insurance	52.7%
Public insurance	57.9%
No insurance	7.0%
Uninsured under 19	9.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,439	92.5%
Spanish	13	0.9%
Other Indo-European	9	0.6%
Asian & Pacific Islander	4	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,535	98.7%
Born in same state	1,533	98.6%
Born in different state	1,181	75.9%
Foreign born	2	0.1%
Naturalized citizen	20	1.3%
Not a US citizen	5	25.0%

Ancestry

Ancestry	Count	%
French	271	17.4%
Italian	119	7.7%
Arab	114	7.3%
Dutch	101	6.5%
Polish	38	2.4%

Ancestry	Count	%
Irish	30	1.9%
Norwegian	9	0.6%
German	6	0.4%
English	6	0.4%

Technology access

Metric	% of households
Computer access	37.6%
Internet access	92.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 95528

What city is ZIP code 95528 in?

ZIP code 95528 is primarily assigned to Carlotta, California.

What county is ZIP code 95528 in?

ZIP code 95528 falls within Humboldt County, California.

Does ZIP code 95528 have an older population?

27% of residents in ZIP code 95528 are 65 or older, above the national average of ~17%.

Does ZIP code 95528 have a large retiree population?

52% of households in ZIP code 95528 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 95528?

20% of residents in ZIP code 95528 live below the poverty line, above the national average.

What is the typical home value in ZIP code 95528?

The median home value in ZIP code 95528 is $482,100.

What timezone is ZIP code 95528 in?

ZIP code 95528 observes the PST timezone.