95428 ZIP Code — Covelo, CA

Mendocino County, California

ZIP code 95428 is located in Covelo, California, within Mendocino County. It covers approximately 274.67 square miles and serves a population of 2,775 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 707.

About ZIP code 95428

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $374,500. Owner-occupancy sits near the national average at 68%.

Median household income is $46,694. Poverty affects 30% of residents, above the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 17 minutes is near the national average.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Overall, ZIP code 95428 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, and a significant Social Security-dependent population.

2,775

population

274.67

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95428 ZIP code map

Cities in ZIP code 95428

Below are the cities the US Postal Service accepts for ZIP code 95428. Using any city not on this list may result in mail delivery delays.

City	Status
Covelo	Preferred

Nearby ZIP codes

95454 Laytonville (16.1 mi) 95490 Willits (19.9 mi)

Demographics updated 05/2026

Population
Total population	2,775
Population density	10 / sq mi
State FIPS	06
County FIPS	045

Geography
Land area	274.67 sq mi
Water area	0.84 sq mi
Latitude	39.7407
Longitude	-123.1797
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	62.4%	47.0%	32.6%
$50k – $100k	31.5%	29.4%	27.7%
$100k – $200k	4.8%	18.7%	26.4%
Over $200k	1.3%	4.9%	13.3%

Demographics & statistics

2,775

Population

People per sq mi

40.3

Median age

$46,694

Median household income

$24,761

Per capita income

$374,500

Median home value

$944

Median monthly rent

68.3%

Home ownership

29.8%

Poverty rate

21.5%

Unemployment

1,007

Housing units

9.9%

Bachelor's or higher

Age distribution

Male Female

147

Under 5

120

5–9

10–14

115

15–19

20–24

157

25–34

129

200

35–44

164

205

45–54

168

55–59

126

60–64

103

193

65–74

159

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	683	24.6%
18 and over	2,092	75.4%
65 and over	489	17.6%
Median age	40.3 years

Race & ethnicity

White 46.5%

American Indian / Alaska Native 25.1%

Two or more races 12.4%

Hispanic or Latino 9.8%

Other race 5.8%

Asian 0.2%

Black or African American 0.1%

Group	Count	%
White	1,432	46.5%
American Indian / Alaska Native	773	25.1%
Two or more races	382	12.4%
Hispanic or Latino	303	9.8%
Other race	180	5.8%
Asian	5	0.2%
Black or African American	3	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	62.4%	47.0%	32.6%
$50k – $100k	31.5%	29.4%	27.7%
$100k – $200k	4.8%	18.7%	26.4%
Over $200k	1.3%	4.9%	13.3%

Under $10k 10.5%

$10k–$15k 7.3%

$15k–$25k 8.4%

$25k–$35k 11.5%

$35k–$50k 16.8%

$50k–$75k 20.7%

$75k–$100k 8.7%

$100k–$150k 10.7%

$150k–$200k 2.3%

$200k+ 3.2%

Range	% of households
Under $10k	10.5%
$10k–$15k	7.3%
$15k–$25k	8.4%
$25k–$35k	11.5%
$35k–$50k	16.8%
$50k–$75k	20.7%
$75k–$100k	8.7%
$100k–$150k	10.7%
$150k–$200k	2.3%
$200k+	3.2%
Median income	$46,694

Housing

Home values

Under $50k 6.0%

$50k–$100k 5.3%

$100k–$150k 2.5%

$150k–$200k 7.3%

$200k–$300k 16.7%

$300k–$500k 36.5%

$500k–$1M 23.2%

$1M+ 2.5%

Housing overview

Metric	Value
Median home value	$374,500
Median rent / month	$944
Owner occupied	68.3%
Renter occupied	31.7%
Vacant	27.6%
Single-family detached	83.9%
Large apartment buildings	0.0%
Mobile homes	14.3%
Median rooms	4.9
Avg household size (owned)	3.03

Year built

Era	%
2020 or later	0.0%
2010–2019	7.1%
2000–2009	7.0%
1990–1999	7.7%
1980–1989	16.7%
1970–1979	19.1%
1960–1969	10.9%
1950–1959	11.1%
1940–1949	3.9%
1939 or earlier	16.6%

Bedrooms

Size	% of units
No bedroom (studio)	2.8%
1 bedroom	11.6%
2 bedrooms	27.9%
3 bedrooms	47.4%
4 bedrooms	10.0%
5+ bedrooms	0.4%

Vehicles per household

Vehicles	% of households
No vehicle	7.5%
1 vehicle	33.6%
2 vehicles	23.4%
3 or more	35.5%

Heating fuel

Fuel type	%
Utility gas	3.4%
Electricity	14.5%
Propane / LP gas	20.3%
Fuel oil	5.5%
Wood	50.4%
Solar	0.6%

Households & families

Household type	Count	%
Married-couple family	380	40.2%
Cohabiting couple	155	16.4%
Male householder, no spouse	213	22.5%
Female householder, no spouse	198	20.9%
Households with children under 18	299	31.6%
Households with seniors (65+)	345	36.5%
Average household size	2.92

Marital status

Status	Male	Female
Never married	42.4%	26.8%
Married	41.8%	44.2%
Separated	3.5%	0.5%
Widowed	3.1%	12.4%
Divorced	9.2%	16.0%

Education

Less than 9th grade 8.7%

Some HS, no diploma 11.6%

HS graduate 39.5%

Some college, no degree 22.3%

Associate's degree 8.1%

Bachelor's degree 8.0%

Graduate / professional 1.9%

Metric	%
HS diploma or higher	79.7%
Bachelor's or higher	9.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	55	9.8%
Kindergarten	3	0.5%
Elementary school	298	53.3%
High school	138	24.7%
College / grad school	65	11.6%

Employment

Industry of employment

Education & healthcare 27.0%

Professional & management 18.0%

Construction 11.6%

Arts, food & hospitality 11.4%

Agriculture & mining 9.4%

Public administration 7.7%

Retail trade 6.8%

Manufacturing 3.4%

Transportation & utilities 1.5%

Finance & real estate 1.5%

Other services 1.2%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	32.1%
Service	39.8%
Sales & office	9.5%
Natural resources & construction	8.1%
Production & transportation	10.5%

Employment type

Type	%
Private sector	54.0%
Government	32.7%
Self-employed	13.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	77.6%
Carpool	7.8%
Public transit	0.0%
Walk	5.1%
Work from home	9.6%
Other means	0.0%
Avg commute (minutes)	17.0

Poverty

All people 29.8%

Under 18 years 48.4%

18 and over 23.8%

Married-couple families 5.0%

Female-led households 54.4%

Income support

Source	% of households
Social Security	35.0%
Retirement income	16.6%
Supplemental Security	9.8%
Cash public assistance	3.6%
Food stamps / SNAP	8.2%

Health indicators

Condition	%
Obesity	35.4%
High blood pressure	35.8%
High cholesterol	31.0%
Diabetes	14.4%
Heart disease	9.0%
Stroke	5.0%
Asthma	12.6%
Arthritis	28.8%
Kidney disease	4.1%
Pulmonary disease	11.4%
Cancer	6.8%

Behavior / access	%
Smoking	22.3%
Binge drinking	17.2%
No physical activity	25.9%
Less than 7 hrs sleep	34.7%
Depression	21.4%
Fair or poor health	23.7%
Poor mental health	18.8%
Poor physical health	16.2%
No health insurance	12.9%
Visited doctor (checkup)	68.1%
Visited dentist	51.4%
Cholesterol screening	88.9%
Teeth loss	21.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	93	4.4%

Disability	%
Any disability	15.7%
Under 18	6.9%
18–64 years	11.3%
65 and over	42.5%

Health insurance coverage

Type	%
Private insurance	39.4%
Public insurance	55.6%
No insurance	15.1%
Uninsured under 19	13.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,508	90.4%
Spanish	340	13.6%
Other Indo-European	335	13.4%
Asian & Pacific Islander	0	0.0%
Other languages	5	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,399	86.5%
Born in same state	2,306	83.1%
Born in different state	2,088	75.2%
Foreign born	93	3.4%
Naturalized citizen	376	13.5%
Not a US citizen	90	23.9%

Ancestry

Ancestry	Count	%
Italian	224	8.1%
Arab	123	4.4%
French	108	3.9%
Dutch	67	2.4%

Ancestry	Count	%
English	45	1.6%
Polish	17	0.6%
Norwegian	6	0.2%

Technology access

Metric	% of households
Computer access	34.1%
Internet access	72.6%

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

Frequently asked questions about ZIP code 95428

What city is ZIP code 95428 in?

ZIP code 95428 is primarily assigned to Covelo, California.

What county is ZIP code 95428 in?

ZIP code 95428 falls within Mendocino County, California.

What is the poverty rate in ZIP code 95428?

30% of residents in ZIP code 95428 live below the poverty line, above the national average.

How educated is the population of ZIP code 95428?

10% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 95428?

The median home value in ZIP code 95428 is $374,500.

What is the median household income in ZIP code 95428?

The median household income in ZIP code 95428 is $46,694, below the national median of ~$75,000.

What timezone is ZIP code 95428 in?

ZIP code 95428 observes the PST timezone.