95540 ZIP Code — Fortuna, CA
Humboldt County, California
ZIP code 95540 is located in Fortuna, California, within Humboldt County. It covers approximately 34.07 square miles and serves a population of 14,415 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 707.
About ZIP code 95540
The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $349,400. Owner-occupancy sits near the national average at 57%.
Median household income is $58,348. 32% 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 21 minutes is near the national average.
Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.
14,415
population
34.07
sq mi land
Standard
ZIP type
Pacific (PT)
timezone
95540 ZIP code map
Cities in ZIP code 95540
Below are the cities the US Postal Service accepts for ZIP code 95540. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Fortuna | Preferred |
Nearby ZIP codes
95547 Hydesville (3.4 mi)
95562 Rio Dell (7.3 mi)
95536 Ferndale (9 mi)
95551 Loleta (9.4 mi)
95503 Eureka (9.5 mi)
95565 Scotia (11.3 mi)
95528 Carlotta (12.5 mi)
95501 Eureka (14.8 mi)
95564 Samoa (14.9 mi)
95524 Bayside (16.7 mi)
95521 Arcata (18.2 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 14,415 |
| Population density | 423 / sq mi |
| State FIPS | 06 |
| County FIPS | 023 |
| Geography | |
|---|---|
| Land area | 34.07 sq mi |
| Water area | 0.47 sq mi |
| Latitude | 40.5855 |
| Longitude | -124.1312 |
| 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 | 53.2% | 50.6% | 32.6% |
| $50k – $100k | 26.9% | 27.7% | 27.7% |
| $100k – $200k | 18.2% | 17.1% | 26.4% |
| Over $200k | 1.7% | 4.5% | 13.3% |
Demographics & statistics
14,415
Population
423
People per sq mi
39.1
Median age
$58,348
Median household income
$32,635
Per capita income
$349,400
Median home value
$1,122
Median monthly rent
57.1%
Home ownership
14.7%
Poverty rate
5.9%
Unemployment
3,662
Housing units
21.6%
Bachelor's or higher
Age distribution
Male
Female
383
Under 5
408
496
5–9
529
333
10–14
354
437
15–19
465
628
20–24
670
900
25–34
960
869
35–44
927
708
45–54
755
446
55–59
476
590
60–64
628
638
65–74
681
342
75–84
364
207
85+
221
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,050 | 21.2% |
| 18 and over | 11,365 | 78.8% |
| 65 and over | 2,453 | 17.0% |
| Median age | 39.1 years | |
Race & ethnicity
White
65.6%
Hispanic or Latino
12.5%
Two or more races
10%
Other race
7.9%
American Indian / Alaska Native
2%
Asian
1.6%
Black or African American
0.3%
| Group | Count | % |
|---|---|---|
| White | 10,804 | 65.6% |
| Hispanic or Latino | 2,056 | 12.5% |
| Two or more races | 1,653 | 10% |
| Other race | 1,305 | 7.9% |
| American Indian / Alaska Native | 330 | 2% |
| Asian | 266 | 1.6% |
| Black or African American | 57 | 0.3% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 53.2% | 50.6% | 32.6% |
| $50k – $100k | 26.9% | 27.7% | 27.7% |
| $100k – $200k | 18.2% | 17.1% | 26.4% |
| Over $200k | 1.7% | 4.5% | 13.3% |
Under $10k
4.5%
$10k–$15k
6.9%
$15k–$25k
8.9%
$25k–$35k
12.2%
$35k–$50k
12.4%
$50k–$75k
14.8%
$75k–$100k
13.9%
$100k–$150k
12.8%
$150k–$200k
7.7%
$200k+
6.1%
| Range | % of households |
|---|---|
| Under $10k | 4.5% |
| $10k–$15k | 6.9% |
| $15k–$25k | 8.9% |
| $25k–$35k | 12.2% |
| $35k–$50k | 12.4% |
| $50k–$75k | 14.8% |
| $75k–$100k | 13.9% |
| $100k–$150k | 12.8% |
| $150k–$200k | 7.7% |
| $200k+ | 6.1% |
| Median income | $58,348 |
Housing
Home values
Under $50k
2.6%
$50k–$100k
1.6%
$100k–$150k
0.3%
$150k–$200k
3.8%
$200k–$300k
24.7%
$300k–$500k
47.9%
$500k–$1M
16.8%
$1M+
2.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $349,400 |
| Median rent / month | $1,122 |
| Owner occupied | 57.1% |
| Renter occupied | 42.9% |
| Vacant | 6.4% |
| Single-family detached | 69.3% |
| Large apartment buildings | 1.3% |
| Mobile homes | 7.8% |
| Median rooms | 5.0 |
| Avg household size (owned) | 2.59 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.2% |
| 2010–2019 | 3.3% |
| 2000–2009 | 8.9% |
| 1990–1999 | 9.6% |
| 1980–1989 | 17.8% |
| 1970–1979 | 18.9% |
| 1960–1969 | 8.3% |
| 1950–1959 | 18.2% |
| 1940–1949 | 4.8% |
| 1939 or earlier | 10.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.0% |
| 1 bedroom | 12.3% |
| 2 bedrooms | 31.6% |
| 3 bedrooms | 44.9% |
| 4 bedrooms | 6.5% |
| 5+ bedrooms | 2.7% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.6% |
| 1 vehicle | 30.3% |
| 2 vehicles | 34.9% |
| 3 or more | 29.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 64.4% |
| Electricity | 17.7% |
| Propane / LP gas | 4.4% |
| Fuel oil | 0.2% |
| Wood | 12.9% |
| Solar | 0.5% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,399 | 41.9% |
| Cohabiting couple | 829 | 14.5% |
| Male householder, no spouse | 1,156 | 20.2% |
| Female householder, no spouse | 1,341 | 23.4% |
| Households with children under 18 | 1,696 | 29.6% |
| Households with seniors (65+) | 1,702 | 29.7% |
| Average household size | 2.49 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 37.2% | 26.0% |
| Married | 43.8% | 44.4% |
| Separated | 1.3% | 2.3% |
| Widowed | 3.0% | 11.5% |
| Divorced | 14.7% | 15.7% |
Education
Less than 9th grade
4.1%
Some HS, no diploma
5.8%
HS graduate
30.2%
Some college, no degree
28.6%
Associate's degree
9.7%
Bachelor's degree
15.8%
Graduate / professional
5.8%
| Metric | % |
|---|---|
| HS diploma or higher | 90.1% |
| Bachelor's or higher | 21.6% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 257 | 7.5% |
| Kindergarten | 245 | 7.1% |
| Elementary school | 1,240 | 36.0% |
| High school | 650 | 18.9% |
| College / grad school | 1,054 | 30.6% |
Employment
Industry of employment
Education & healthcare
18.2%
Retail trade
15.2%
Professional & management
11.5%
Arts, food & hospitality
10.7%
Construction
9.8%
Manufacturing
8.0%
Finance & real estate
6.5%
Other services
5.0%
Public administration
5.0%
Agriculture & mining
3.2%
Transportation & utilities
3.1%
Information
2.0%
Wholesale trade
1.8%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 29.4% |
| Service | 19.3% |
| Sales & office | 23.4% |
| Natural resources & construction | 13.2% |
| Production & transportation | 14.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 74.0% |
| Government | 15.4% |
| Self-employed | 10.4% |
| Unpaid family workers | 0.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 76.5% |
| Carpool | 10.6% |
| Public transit | 1.6% |
| Walk | 3.6% |
| Work from home | 6.2% |
| Other means | 1.4% |
| Avg commute (minutes) | 20.5 |
Poverty
All people
14.7%
Under 18 years
14.7%
18 and over
14.7%
Married-couple families
3.0%
Female-led households
27.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 32.3% |
| Retirement income | 21.3% |
| Supplemental Security | 13.7% |
| Cash public assistance | 2.3% |
| Food stamps / SNAP | 16.0% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 31.1% |
| High blood pressure | 32.6% |
| High cholesterol | 31.7% |
| Diabetes | 11.1% |
| Heart disease | 7.8% |
| Stroke | 3.8% |
| Asthma | 11.2% |
| Arthritis | 27.1% |
| Kidney disease | 3.5% |
| Pulmonary disease | 9.2% |
| Cancer | 7.3% |
| Behavior / access | % |
|---|---|
| Smoking | 16.0% |
| Binge drinking | 18.3% |
| No physical activity | 22.6% |
| Less than 7 hrs sleep | 33.6% |
| Depression | 20.4% |
| Fair or poor health | 17.8% |
| Poor mental health | 16.5% |
| Poor physical health | 12.9% |
| No health insurance | 11.5% |
| Visited doctor (checkup) | 68.1% |
| Visited dentist | 59.8% |
| Cholesterol screening | 89.7% |
| Teeth loss | 15.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 949 | 8.4% |
| Disability | % |
|---|---|
| Any disability | 18.3% |
| Under 18 | 3.5% |
| 18–64 years | 17.8% |
| 65 and over | 38.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 60.5% |
| Public insurance | 53.2% |
| No insurance | 5.4% |
| Uninsured under 19 | 2.4% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 13,624 | 94.5% |
| Spanish | 624 | 4.6% |
| Other Indo-European | 552 | 4.1% |
| Asian & Pacific Islander | 27 | 0.2% |
| Other languages | 45 | 0.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 13,278 | 92.1% |
| Born in same state | 13,165 | 91.3% |
| Born in different state | 10,537 | 73.1% |
| Foreign born | 113 | 0.8% |
| Naturalized citizen | 1,137 | 7.9% |
| Not a US citizen | 525 | 46.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 2,105 | 14.6% |
| French | 1,865 | 12.9% |
| Arab | 400 | 2.8% |
| Polish | 332 | 2.3% |
| Ancestry | Count | % |
|---|---|---|
| Dutch | 252 | 1.7% |
| English | 159 | 1.1% |
| German | 87 | 0.6% |
| Irish | 31 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.7% |
| Internet access | 90.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 95540
What city is ZIP code 95540 in?
ZIP code 95540 is primarily assigned to Fortuna, California.
What county is ZIP code 95540 in?
ZIP code 95540 falls within Humboldt County, California.
What is the typical home value in ZIP code 95540?
The median home value in ZIP code 95540 is $349,400.
What is the population of ZIP code 95540?
ZIP code 95540 has an estimated population of 14,415 residents, with a density of 423 people per square mile.
What is the median household income in ZIP code 95540?
The median household income in ZIP code 95540 is $58,348, below the national median of ~$75,000.
What timezone is ZIP code 95540 in?
ZIP code 95540 observes the PST timezone.