95928 ZIP Code — Chico, CA
Butte County, California
ZIP code 95928 is located in Chico, California, within Butte County. It covers approximately 145.39 square miles and serves a population of 38,412 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 530.
About ZIP code 95928
The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $451,600. Renters make up the majority at 56%, typical of denser urban areas.
The gap between median ($66,023) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 23% of residents, above the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
38,412
population
145.39
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
95928 ZIP code map
Cities in ZIP code 95928
Below are the cities the US Postal Service accepts for ZIP code 95928. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Chico | Acceptable |
| Chico | Preferred |
Nearby ZIP codes
95976 Chico (1.8 mi)
95929 Chico (1.9 mi)
95926 Chico (2.7 mi)
95938 Durham (7.5 mi)
95969 Paradise (8.3 mi)
95965 Oroville (9.8 mi)
95973 Chico (11 mi)
95943 Glenn (14.3 mi)
95920 Butte City (18.6 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 38,412 |
| Population density | 264 / sq mi |
| State FIPS | 06 |
| County FIPS | 007 |
| Geography | |
|---|---|
| Land area | 145.39 sq mi |
| Water area | 2.33 sq mi |
| Latitude | 39.7111 |
| Longitude | -121.8105 |
| Timezone | Pacific (PT) |
| Area code | 530 |
Total population by age
Gender
Race & ethnicity
Economics
updated 06/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 45.9% | 46.4% | 32.6% |
| $50k – $100k | 23.7% | 27.8% | 27.7% |
| $100k – $200k | 21.9% | 19.6% | 26.4% |
| Over $200k | 8.4% | 6.2% | 13.3% |
Demographics & statistics
38,412
Population
264
People per sq mi
33.5
Median age
$66,023
Median household income
$40,499
Per capita income
$451,600
Median home value
$1,346
Median monthly rent
44.2%
Home ownership
23.3%
Poverty rate
7.8%
Unemployment
8,859
Housing units
41.9%
Bachelor's or higher
Age distribution
Male
Female
748
Under 5
806
856
5–9
921
817
10–14
879
1,269
15–19
1,367
3,233
20–24
3,480
2,724
25–34
2,932
2,084
35–44
2,243
1,922
45–54
2,069
945
55–59
1,018
1,070
60–64
1,151
1,745
65–74
1,879
774
75–84
834
311
85+
335
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 5,989 | 15.6% |
| 18 and over | 32,423 | 84.4% |
| 65 and over | 5,878 | 15.3% |
| Median age | 33.5 years | |
Race & ethnicity
White
71.6%
Hispanic or Latino
9%
Two or more races
7.5%
Other race
5.9%
Asian
3.3%
Black or African American
1.6%
Native Hawaiian / Pacific Islander
0.6%
American Indian / Alaska Native
0.6%
| Group | Count | % |
|---|---|---|
| White | 30,212 | 71.6% |
| Hispanic or Latino | 3,807 | 9% |
| Two or more races | 3,157 | 7.5% |
| Other race | 2,506 | 5.9% |
| Asian | 1,390 | 3.3% |
| Black or African American | 663 | 1.6% |
| Native Hawaiian / Pacific Islander | 250 | 0.6% |
| American Indian / Alaska Native | 234 | 0.6% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 45.9% | 46.4% | 32.6% |
| $50k – $100k | 23.7% | 27.8% | 27.7% |
| $100k – $200k | 21.9% | 19.6% | 26.4% |
| Over $200k | 8.4% | 6.2% | 13.3% |
Under $10k
6.1%
$10k–$15k
5.4%
$15k–$25k
9.3%
$25k–$35k
9.3%
$35k–$50k
10.4%
$50k–$75k
14.3%
$75k–$100k
11.9%
$100k–$150k
13.1%
$150k–$200k
8.8%
$200k+
11.3%
| Range | % of households |
|---|---|
| Under $10k | 6.1% |
| $10k–$15k | 5.4% |
| $15k–$25k | 9.3% |
| $25k–$35k | 9.3% |
| $35k–$50k | 10.4% |
| $50k–$75k | 14.3% |
| $75k–$100k | 11.9% |
| $100k–$150k | 13.1% |
| $150k–$200k | 8.8% |
| $200k+ | 11.3% |
| Median income | $66,023 |
Housing
Home values
Under $50k
1.7%
$50k–$100k
1.6%
$100k–$150k
3.0%
$150k–$200k
2.6%
$200k–$300k
12.2%
$300k–$500k
40.6%
$500k–$1M
31.0%
$1M+
7.1%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $451,600 |
| Median rent / month | $1,346 |
| Owner occupied | 44.2% |
| Renter occupied | 55.8% |
| Vacant | 11.2% |
| Single-family detached | 58.6% |
| Large apartment buildings | 9.2% |
| Mobile homes | 2.0% |
| Median rooms | 5.0 |
| Avg household size (owned) | 2.45 |
Year built
| Era | % |
|---|---|
| 2020 or later | 1.0% |
| 2010–2019 | 5.3% |
| 2000–2009 | 12.5% |
| 1990–1999 | 18.0% |
| 1980–1989 | 17.1% |
| 1970–1979 | 13.7% |
| 1960–1969 | 5.6% |
| 1950–1959 | 6.5% |
| 1940–1949 | 5.1% |
| 1939 or earlier | 15.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 3.7% |
| 1 bedroom | 13.2% |
| 2 bedrooms | 29.7% |
| 3 bedrooms | 37.4% |
| 4 bedrooms | 13.5% |
| 5+ bedrooms | 2.4% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 7.1% |
| 1 vehicle | 30.8% |
| 2 vehicles | 39.1% |
| 3 or more | 22.9% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 51.1% |
| Electricity | 37.7% |
| Propane / LP gas | 4.8% |
| Wood | 2.2% |
| Solar | 2.3% |
| No fuel used | 1.5% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 5,302 | 34.0% |
| Cohabiting couple | 1,634 | 10.5% |
| Male householder, no spouse | 3,559 | 22.8% |
| Female householder, no spouse | 5,088 | 32.7% |
| Households with children under 18 | 3,254 | 20.9% |
| Households with seniors (65+) | 4,206 | 27.0% |
| Average household size | 2.41 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 52.8% | 46.7% |
| Married | 37.1% | 31.0% |
| Separated | 1.7% | 1.8% |
| Widowed | 1.8% | 8.5% |
| Divorced | 6.5% | 12.0% |
Education
Less than 9th grade
3.9%
Some HS, no diploma
4.5%
HS graduate
15.0%
Some college, no degree
24.5%
Associate's degree
10.1%
Bachelor's degree
27.1%
Graduate / professional
14.8%
| Metric | % |
|---|---|
| HS diploma or higher | 91.6% |
| Bachelor's or higher | 41.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 348 | 3.0% |
| Kindergarten | 342 | 2.9% |
| Elementary school | 2,682 | 23.1% |
| High school | 1,519 | 13.1% |
| College / grad school | 6,742 | 58.0% |
Employment
Industry of employment
Education & healthcare
25.6%
Arts, food & hospitality
14.4%
Retail trade
12.4%
Professional & management
11.7%
Manufacturing
5.0%
Construction
4.5%
Finance & real estate
4.5%
Other services
4.4%
Public administration
4.3%
Transportation & utilities
4.0%
Agriculture & mining
3.3%
Wholesale trade
3.3%
Information
2.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 41.6% |
| Service | 21.2% |
| Sales & office | 22.0% |
| Natural resources & construction | 6.9% |
| Production & transportation | 8.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 75.7% |
| Government | 16.5% |
| Self-employed | 7.7% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 72.5% |
| Carpool | 9.5% |
| Public transit | 0.7% |
| Walk | 3.7% |
| Work from home | 10.9% |
| Other means | 2.9% |
| Avg commute (minutes) | 19.3 |
Poverty
All people
23.3%
Under 18 years
22.1%
18 and over
23.5%
Married-couple families
6.5%
Female-led households
39.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 26.5% |
| Retirement income | 21.3% |
| Supplemental Security | 5.8% |
| Cash public assistance | 3.5% |
| Food stamps / SNAP | 12.6% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.9% |
| High blood pressure | 24.9% |
| High cholesterol | 25.6% |
| Diabetes | 7.7% |
| Heart disease | 5.1% |
| Stroke | 2.5% |
| Asthma | 10.9% |
| Arthritis | 18.9% |
| Kidney disease | 2.5% |
| Pulmonary disease | 6.1% |
| Cancer | 5.2% |
| Behavior / access | % |
|---|---|
| Smoking | 13.5% |
| Binge drinking | 20.5% |
| No physical activity | 18.9% |
| Less than 7 hrs sleep | 31.9% |
| Depression | 20.7% |
| Fair or poor health | 13.9% |
| Poor mental health | 17.3% |
| Poor physical health | 10.0% |
| No health insurance | 10.8% |
| Visited doctor (checkup) | 65.4% |
| Visited dentist | 62.6% |
| Cholesterol screening | 85.4% |
| Teeth loss | 12.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,526 | 4.7% |
| Disability | % |
|---|---|
| Any disability | 15.5% |
| Under 18 | 9.5% |
| 18–64 years | 13.6% |
| 65 and over | 30.7% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 67.0% |
| Public insurance | 40.0% |
| No insurance | 6.7% |
| Uninsured under 19 | 2.7% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 36,858 | 96.0% |
| Spanish | 1,705 | 4.6% |
| Other Indo-European | 1,145 | 3.1% |
| Asian & Pacific Islander | 280 | 0.8% |
| Other languages | 269 | 0.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 35,423 | 92.2% |
| Born in same state | 35,037 | 91.2% |
| Born in different state | 27,849 | 72.5% |
| Foreign born | 386 | 1.0% |
| Naturalized citizen | 2,989 | 7.8% |
| Not a US citizen | 1,659 | 55.5% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 4,102 | 10.7% |
| Italian | 3,973 | 10.3% |
| Arab | 1,840 | 4.8% |
| Polish | 779 | 2% |
| English | 537 | 1.4% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 379 | 1% |
| German | 196 | 0.5% |
| Irish | 55 | 0.1% |
| Norwegian | 23 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 40.6% |
| Internet access | 94.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95928
What city is ZIP code 95928 in?
ZIP code 95928 is primarily assigned to Chico, California.
What county is ZIP code 95928 in?
ZIP code 95928 falls within Butte County, California.
What is the poverty rate in ZIP code 95928?
23% of residents in ZIP code 95928 live below the poverty line, above the national average.
Is ZIP code 95928 mostly rentals?
56% of occupied units in ZIP code 95928 are renter-occupied.
What is the typical home value in ZIP code 95928?
The median home value in ZIP code 95928 is $451,600.
What is the population of ZIP code 95928?
ZIP code 95928 has an estimated population of 38,412 residents, with a density of 264 people per square mile.
What timezone is ZIP code 95928 in?
ZIP code 95928 observes the PST timezone.