Oroville, CA · standard
ZIP Code 95965
Butte County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,384
- 25/sq mi Moderate-density area
- $53,198
- Median income Below-median income area
- $308,500
- Median home value Above-median home value
- 15.0%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Oroville pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.
- 19th pct
- household income, US ZIPs
- Top 32%
- home value, US ZIPs
- 25
- people per sq mi
- 63%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95965 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95965 (Oroville, CA) rose +3.8% from 2023 to 2024. The all-transactions index moved from 310.3 in 2023 to 322.1 in 2024 (2000 = 100).
ZIP code 95965 is a densely settled ZIP (a standard USPS delivery area) in Oroville, Butte County, California, with 20,384 residents across 828.6 square miles, a density of 25 people per square mile, in the Los Angeles time zone.
ZIP 95965 reports a modest median household income of $53,198 (48% below the average California ZIP), while per-capita income is $27,249. The poverty rate is 24.4%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $308,500 (60% below the average California ZIP), and median rent is $1,191; owner occupancy is 62.9%.
Educational attainment sits below the national norm: 15.0% of adults hold a bachelor's degree or higher, the median age is 35.7, and the average commute is 24 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Butte County, so 95965 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95965
Top 5 sectors by establishment count in Oroville, CA
Which industries have the most business establishments in ZIP 95965.
- Retail trade
Retail trade
69 establishments
- Accommodation and food services
Accommodation and food services
46 establishments
- Health care and social assistance
Health care and social assistance
44 establishments
- Other services (except public administration)
Other services (except public administration)
44 establishments
- Construction
Construction
43 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95965, Oroville, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
20,384
Population
828.6
Area (sq mi)
25
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95965?
35.7
Median Age
50.2%
Male
49.8%
Female
13.0%
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?
$53,198
Median Household Income
-48% vs state ZIP avg
$27,249
Per Capita Income
24.4%
Poverty Rate
8.2%
Unemployment Rate
23.7 min
Mean Commute Time
How ZIP 95965 ranks among California ZIPs
Oroville, CA household income vs. every California ZIP code
Median household income among 1,583 reporting California ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$53,198 9th percentile higher than 9% of 1,583 California ZIPs
Each bar is a $20K-wide band; taller bars hold more California 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?
Housing stock: occupied vs vacant
8,067housing units
8,067
Total Housing Units
7,178
Occupied Units
889
Vacant Units
2.80
Avg Household Size
Occupancy Type
$308,500
Median Home Value
-60% vs state ZIP avg
$1,191
Median Rent
1976
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.8%
YoY Change (2024)
322
HPI Index (2000 = 100)
+222%
Total Change Since 2000
Home values in ZIP 95965 have increased 3.8% over the past year (2024). Since 2000, this ZIP has seen +222% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.4% | 262 |
| 2021 | +12.6% | 295 |
| 2022 | +11.0% | 327 |
| 2023 | -5.1% | 310 |
| 2024 | +3.8% | 322 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 385 business establishments in ZIP 95965, employing approximately 5,429 people with a combined annual payroll of $260,031,000.
385
Businesses
5,429
Employees
$260.0M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 69 | 17.9% |
| Accommodation and food services | 46 | 11.9% |
| Health care and social assistance | 44 | 11.4% |
| Other services (except public administration) | 44 | 11.4% |
| Construction | 43 | 11.2% |
| Manufacturing | 23 | 6.0% |
| Real estate and rental and leasing | 20 | 5.2% |
| Administrative and support and waste management and remediation services | 20 | 5.2% |
| Finance and insurance | 18 | 4.7% |
| Professional, scientific, and technical services | 17 | 4.4% |
| Wholesale trade | 14 | 3.6% |
| Arts, entertainment, and recreation | 7 | 1.8% |
| Information | 6 | 1.6% |
| Transportation and warehousing | 5 | 1.3% |
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 95965 vs 95969 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 95969 | Paradise, CA | 27,549 | 8.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95965, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (20,384 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Butte County
Related Areas
Frequently Asked Questions
What county is ZIP code 95965 in?
ZIP code 95965 (Oroville) is located in Butte County, California. Butte County contains multiple ZIP codes, see the full list at /counties/butte-ca.
What is the population of ZIP code 95965?
ZIP code 95965 in Oroville, CA has a population of 20,384 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95965?
The median household income in ZIP 95965 is $53,198, which is 30% below the national average of $76,288.
What is the average home value in ZIP 95965?
The median home value in ZIP 95965 is $308,500, which is 11% above the national average of $278,155.
What is the demographic makeup of ZIP 95965?
The largest racial group in ZIP 95965 is White at 56.0%. Hispanic or Latino residents make up 19.3% of the population.
How many businesses are in ZIP code 95965?
ZIP code 95965 has 385 business establishments employing approximately 5,429 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95965?
The top industries by establishment count in ZIP 95965 are: Retail trade (69), Accommodation and food services (46), Health care and social assistance (44). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 95965?
According to the FHFA House Price Index, home values in ZIP 95965 increased by 3.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 222%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95965?
In ZIP code 95965, 43.9% of residents aged 25+ have a high school diploma or higher, and 15.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95965?
The mean commute time for workers in ZIP code 95965 is 23.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95965?
In ZIP code 95965, approximately 62.9% of occupied housing units are owner-occupied and 37.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95965?
The poverty rate in ZIP code 95965 is 24.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95965's numbers, next.
- See how ZIP 95965 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oroville, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.