Covelo, CA · standard
ZIP Code 95428
Mendocino County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 2,516
- 4/sq mi
- $46,339
- Median income
- $437,200
- Median home value
- 9.7%
- Bachelor's or higher
The verdict
Covelo pairs one of the lowest household incomes in the country with upper-quartile home values, in a rural, mixed-tenure area.
- 10th pct
- household income, US ZIPs
- Top 17%
- home value, US ZIPs
- 4
- people per sq mi
- 54%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95428 against every reporting US ZIP.
ZIP code 95428 is classified by USPS as a standard delivery area and covers roughly 585.1 square miles in Covelo, Mendocino County, California. The area is home to 2,516 residents, producing a population density of 4 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95428 against California and the nation.
On the economic side, the median household income for ZIP 95428 sits at $46,339 (54% below the California average), while per-capita income is $23,747. The poverty rate stands at 27.2% and the unemployment rate at 20.3%. On housing, the median home value is $437,200 (43% below the state average) with median rent at $983 per month, and 54.4% of occupied units are owner-occupied, a direct signal of whether 95428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 9.7% of adults hold a bachelor's degree or higher, the median age is 40.5, and the average commute is —. We also surface 1 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Mendocino County, so you can benchmark 95428 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95428, Covelo, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
2,516
Population
585.1
Area (sq mi)
4
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95428?
40.5
Median Age
54.1%
Male
45.9%
Female
14.4%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$46,339
Median Household Income
-54% vs state
$23,747
Per Capita Income
27.2%
Poverty Rate
20.3%
Unemployment Rate
How ZIP 95428 ranks nationally
Household income vs. every US ZIP code
Median household income — the full national distribution, with this ZIP marked
$46,339 10th percentile higher than 10% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
1,273
Total Housing Units
918
Occupied Units
355
Vacant Units
2.55
Avg Household Size
Occupancy Type
$437,200
Median Home Value
-43% vs state
$983
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 29 business establishments in ZIP 95428, employing approximately 281 people with a combined annual payroll of $14,828,000.
29
Businesses
281
Employees
$14.8M
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 6 | 20.7% |
| Construction | 4 | 13.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95428 vs 95429 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95429 | Dos Rios, CA | 70 | 9.3 mi |
More ZIP Codes in Mendocino County
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Frequently Asked Questions
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ZIP Code Research Guides
Official Data Resources for Covelo, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.