ZIP 94923 vs ZIP 95465

This side-by-side compares ZIP 94923 (Bodega Bay, CA) and ZIP 95465 (Occidental, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 94923 has a population of 1,411 at 26 people per square mile, while ZIP 95465 has 2,083 at 19 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 94923 reports a median household income of $147,546 against $120,781 in ZIP 95465, with per-capita income of $84,062 vs $92,740. The share of adults holding a bachelor's degree or higher is 45.6% in 94923 and 57.8% in 95465. Poverty rate reads 1.6% vs 8.0%, and unemployment 14.1% vs 2.3% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,186,500 in 94923 versus $1,079,500 in 95465, with median rent of $1,722 and $1,633 per month respectively. Homeownership rate is 72.9% vs 77.4%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.